Ready to reconnect?
Reunite with your family. Reconnect with nature. Disconnect from the daily grind. Whatever your reason for traveling, we’re here to help protect your trip.
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We're ready when you are
Wherever you’re going, we’ll meet you there. In this unpredictable world, it’s important to travel safer and smarter. Whether you’re planning your reunion or your escape, let us help you travel with confidence.
Travel insurance benefits: how we can take care of you
Emergency medical coverage
If you get sick or injured, our plans have emergency medical coverage and other related benefits to help.
Trip cancellation
If you need to unexpectedly cancel for a covered reason, we may be able to help you recover your investment.
Adventure sports and activities
We love to explore our boundaries when we travel, which is why we cover more than 150 adventure activities.
Buy cover while travelling
If you’re traveling and forgot your travel insurance, you can buy a plan online at any point of your journey.
24/7 Emergency Assistance
Our team can help you out in a crisis at any hour of the day, no matter where you are in the world.
Support local communities
Though our Footprints micro-donation program, you can help support good causes and communities in need.
Related articles
Travel Insurance for a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Croatia offers travelers the perfect conditions to enjoy the rich beauty of its forests and coastlines or to soak in the excitement of its vibrant cities such as Zagreb and Split. Smaller cities such as Rijeka and Zadar are perfect for travelers seeking a more laid-back and off the beaten track Croatian adventure.
However, before you step foot on this romantic land of pebbled beaches, historic villages, and awe-inspiring waterfalls, you may want to consider buying travel insurance, as even the most careful travelers can run into danger or unforeseen events when they’re not expecting it.
- What’s covered
- Why should I consider travel insurance when visiting Croatia?
- What to look out for when traveling around Croatia
- What’s not covered?
What’s covered
The following is just a brief list of what World Nomads may cover under our Standard and Explorer plans. Depending on your Country of Residence and the plan you choose, World Nomads plans may offer cover (up to the benefit limits) for:
- Overseas emergency medical – if you get sick or injured you may be covered for hospitalization (in-patient or out-patient) and for treatment at a medical center. You must contact our 24/7 Emergency Assistance Team as soon as possible as they can inform you of the nearest medical facilities. They will oversee your course of treatment by checking in with your treating doctor.
- Extended stays – if you’re having too much fun in Croatia and want to stay a few extra days or weeks, then you may extend your travel insurance policy for a maximum of one year past the start date listed on your Certificate of Insurance. This must be done prior to the current expiration date of your policy.
- Medical evacuation and repatriation – if you’re injured and need to be repatriated back to your Country of Residence, then this must be approved by our 24/7 Emergency Assistance Team and your treating doctor first. The costs involved in your repatriation may be covered depending on which plan you have selected.
- Lost or stolen luggage and personal belongings – lost, stolen, or damaged baggage and valuables on holidays can be a very stressful experience. If this happens to you, then you’ll need to submit your receipts, police reports and witness details (if your belongings were stolen). Claims without any substantiating documents may not be approved.
- Cover for some Coronavirus-related events – for all the terms, conditions, limitations and exclusions relating to this type of cover, please read our Coronavirus cover article.
To view the entire list of what we cover, along with the terms, benefit limits and exclusions, please check your policy wording.
Why should I consider travel insurance when visiting Croatia?
World Nomads offers two plans, the Standard and Explorer plan, which both cover many of the same risks including lost baggage, emergency medical treatment and repatriation back to your Country of Residence. However, our Explorer Plan gives a broader range of cover, with more benefits and higher limits. Ultimately you should consider selecting the plan that gives you the most adequate level of cover for the activities that you wish to pursue on your Croatian holiday.
Here are just a few of the reasons why travel insurance could come in handy when planning a trip to Croatia:
Natural Catastrophes – like many countries around the world, Croatia has a history of being struck by earthquakes that can render hotels and hostels uninhabitable.
Crime – as is the case in most countries of the world, opportunistic thieves scrutinize crowds of tourists, planning when they can snatch an unattached handbag or shopping bag from a traveler whose attention is otherwise engaged.
Adventure activities - whatever activities you might be into, Croatia offers travelers plenty of verdant forests, jagged mountain ranges and pristine beaches to tantalize even the most hardcore adventure seekers.
You should check your policy wording to ensure you pick the best plan for your favorite sports and activities. For example, before you begin your hiking expedition through Risnjak National Park, you would need to know the altitude limit for hiking listed within your chosen policy.
Our plans have different levels of cover for hiking at altitudes of 3,000 meters (Level 1), 4,500 meters (Level 2) and 6,000 meters (Level 3). Certain exclusions apply to every policy. One such exclusion is search and rescue missions.
If you feel unsure about whether your volunteer activity is covered, you can get in touch with our Customer Service team and they will be able to assist you.
Here are just a few of the 150+ adventure activities that we cover:
- Sandboarding
- Backpacking
- Snorkeling
- Hiking & trekking
- Surfing
- Scuba diving
- Mountain climbing
Travel insurance tip – If your booked accommodation is damaged by any type of natural catastrophe such as a hurricane, flood, or earthquake, then your policy may cover you for the costs of relocating to and staying in a different hotel or hostel. This cover is only available on the Explorer Plan.
Travel insurance tip – if any of your belongings are stolen, go to your nearest police station and report the incident. Request a police report, as you’ll need this if you wish to claim. When making a claim, include all supporting documentation such as witness statement details, receipts of purchase, police reports and surveillance footage (if the incident was caught on film).
What to look out for when traveling around Croatia
If you have a passion for adventure activities such as hiking, mountain climbing and diving, then you won’t have difficulty passing the time when you visit Croatia. However, travelers need to be aware of the hidden dangers that lie beneath the rugged natural beauty.
When trekking the mountains and forest regions, always keep to the established hiking trails and try to avoid wandering off into the undergrowth. Landmines remaining from the Croatian War of Independence several decades ago may still pose a threat to anyone passing through the wilderness.
Croatia’s coastlines provide ample opportunities for cliff jumping enthusiasts. We do offer cover for cave/cavern diving, scuba diving and free diving (up to 50 meters), but please be aware that special conditions and exclusions apply to these activities. Always check your policy wording to ensure that any of your selected activities and sports are adequately covered. Please note that we won’t cover you for cliff diving under any of our policies.
What’s not covered?
Below is a limited list of what our travel plans do not cover. To view the entire list of benefits, limits, and exclusions, please refer to your policy wording.
- Pre-existing conditions as explained in your policy.
- Any course of treatment that you had already been having back home prior to your holiday.
- Unattended luggage and personal belongings that are stolen, lost, or destroyed.
- Incurred expenses which organizations such as hotels or airlines are liable for.
- If you are breaking the law.
- If you do not cooperate with the efforts of local authorities and our 24/7 Emergency Assistance Team to repatriate you back to your Country of Residence.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
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 a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
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Planning a German adventure is all about indulging in the food and top notch German beers, as well as hiking in the Bavarian Alps, and taking in the arts, culture, and history at one of Germany’s 6,200 museums covering every topic imaginable, including mustard. Before you take off, you may want to consider travel insurance to ensure that any hiccups to your plans don’t pack a knockout punch.
- What’s covered?
- Why should I consider travel insurance when visiting Germany?
- What to look out for when traveling around Germany?
- What’s not covered?
What’s covered?
Once your trip is locked in, next on the travel list to consider should be an insurance policy. If it’s an afterthought, that’s alright too, you can still get a policy if you’ve already set off.
World Nomads offers two plans – Standard and Explorer – each provides different levels of coverage depending on your Country of Residence and what level of cover you need. Here are some of the highlights our cover provides for:
- Extended stays.
- Emergency overseas medical.
- Cancellation and interruption coverage.
- Baggage and personal belongings coverage.
- Cover for more than 150 activities, sports and experiences.
- Cover for some Coronavirus-related events.
- Rental vehicle insurance.
- Single, duo, or family plans.
Why should I consider travel insurance when visiting Germany?
As exciting as a trip to this part of Europe is for most, as with all travel not everything always goes without a hitch. If landing in Deutschland after a lengthy flight from the US or further afield only to realize your luggage hasn’t arrived with you; twisting your ankle while traversing the cobbled streets in Bremen; or the thought of your travel buddy contracting Coronavirus (COVID-19) pre-trip give you the jitters, travel insurance could lessen the financial burden.
Our Emergency Assistance Team is available 24/7 and can assist with letting you know if attending a hospital is medically necessary, help you locate the nearest medical facilities (this can be beneficial in out of the way places), liaise with your treating doctor to make sure that your treatment plan is appropriate, and assist with language barriers you may face.
What to look out for when traveling around Germany?
Although mostly a safe destination, the unexpected can trip us up here just as it can anywhere. In this part of the world, pickpocketing and bag snatching are common concerns, especially when in crowded areas, so it’s best to be wary of your surroundings and belongings.
Scams are also prevalent, particularly at railway stations and riots and demonstrations can be disruptive. If you’re injured, have your possessions stolen, or your plans are cancelled due to unexpected extreme weather events, your World Nomads policy may be able to help.
Each of the two levels of cover – Standard and Explorer – offer different benefits, limits, and sub-limits, so it’s best to compare them to see which suits you best. Here is a brief sample of what we cover depending on your Country of Residence and the plan you’ve selected. Please check your policy wording for our complete list:
- For loss or theft of personal belongings or for digital nomads traveling with tech gear, both levels of cover offer compensation, depending on the circumstances.
- If you’re all set to road trip along a section of the 8,197-mile Autobahn, our Explorer Plan covers rental car excess in the event you have an accident (terms and conditions apply).
- Adventure-seekers are advised to list the activities they are planning to undertake in the policy detail. Higher risk activities may require an additional premium.
- In the case of COVID-19, if you or a member of your traveling party are diagnosed with the virus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements. The COVID-19 diagnosis must be made after policy purchase. For all the details including benefit limits and exclusions under our Coronavirus cover, check out our Coronavirus cover article.
What’s not covered?
Some things we don’t cover include:
- Pre-existing medical conditions as explained in your policy wording.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a US Department of State or your local government’s ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
- Illness associated with a failure to comply with preventative measures for the travel region, as outlined by the World Health Organization.
- Loss or damage to luggage due to age, wear and tear, loss of value. Damage to sporting equipment caused while in use.
- Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
This is not a full list of what’s covered and what’s not; please check your policy wording for a full list of terms, conditions, limitations, and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.
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 teamWhat to do if you’re hurt in an accident
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- Safety comes first
- Seek medical attentiont
- Get it in writing
- Hold on to your receipts
- Need to know more?
- How does my travel insurance policy help me in an emergency?
1. Safety comes first
If you are seriously hurt during your overseas holiday, then make sure you attend a local medical centre or hospital immediately to receive medical attention.
2. Seek medical attention
If you’re experiencing an emergency our 24/7 Emergency Assistance Team can advise you of the nearest medical facility if you are unsure where to go, or if you need help navigating a foreign language.
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.
Once you’ve been admitted to hospital or reviewed by a doctor in a medical centre, you’ll need to contact our 24/7 Emergency Assistance Team to update them on your situation. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, then our Emergency Assistance Team will liaise with the hospital on your behalf to arrange payments.
For injuries where treatment costs are not expected to exceed AUD$2000, you pay all your medical fees, and then submit all your receipts to our claims department for reimbursement.
3. Get it in writing
If you’re injured and wish to claim for your medical expenses, always remember to collect as much supporting documents as possible. Some examples of documentation that you may need to provide include:
- Treating doctor’s report stating how the injury occurred and the diagnosis.
- Hospital admission report.
- Report from the emergency medical transport service (if taken to hospital by ambulance or helicopter).
- Medical imaging reports from any scans or tests that were conducted.
- If the police attended the scene of your accident, ask them for a police report.
- Medical centre or hospital invoices showing a list of the individual costs associated with your care and treatment.
4. Hold on to your receipts
Make sure you retain all your receipts if you intend on claiming for medical expenses. This includes receipts for any pharmaceutical products that you purchased in relation to your injury. If you cannot provide receipts to substantiate your treatment expenses, then your claim may be dismissed, or any payments that you do receive might not be for the full amounts.
It’s always a good idea to keep all documentation relating to your holiday in general, not just for your accident. As well as medical receipts, make sure you keep your itinerary, correspondence from airlines or hotels regarding cancellations, as well as all hospital, police and doctor’s reports.
5. Need to know more?
Always read your PDS carefully so that you will be clear about the limits, exclusions and benefits of your plan. Our Standard and Explorer plans both have different levels of cover. It’s your responsibility to know the details of your policy, including what is and what isn’t covered, in case you need to make a claim. Your PDS will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 suddenly fall ill
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- Seek medical attention
- Get any reports in writing
- Retain all your receipts
- Cover for some Coronavirus-related events during your holiday
- Need to know more?
- How does my travel insurance policy help me in an emergency?
1. Seek medical attention
If you suddenly feel unwell at any time during your overseas trip, go to the nearest medical centre or hospital. An emergency transport service provider can carry you to the nearest hospital if you’re in too much pain to walk or take public transport.
In case you don’t know the whereabouts of your nearest hospital or doctor’s surgery, you can call our 24/7 Emergency Assistance Team who will direct you where to go. You’ll need to tell them your policy number, what seems to be wrong with you and your current location.
After being examined by a hospital or medical centre doctor, call our 24/7 Emergency Assistance Team again to update them on your situation. If you’re admitted to hospital, our Emergency Assistance Team will correspond with the Admissions Department regarding payments and care arrangements.
2. Get any reports in writing
You will need to provide copies of all reports in relation to your illness. Cover is only provided for illnesses that happen during your trip and not for any existing medical conditions. We may request a report on your medical history from your General Practitioner in Australia if we require further information. Types of reports you’ll need to obtain include:
- Emergency medical transport report (if taken to hospital by ambulance or helicopter).
- Treating doctor’s report stating the date you fell ill, the diagnosis and prognosis, as well as the causation of your illness.
- Hospital admission report stating the dates you were admitted and discharged from hospital.
- Other medical reports such as lab reports, specialist’s reports and public health emails confirming a Coronavirus (COVID-19) diagnosis.
- Any correspondence from airline, hotel or railway firms confirming cancellations of any accommodation or journeys that you had paid for.
3. Retain all your receipts
If you wish to claim for any expenses you incurred because of falling ill on your overseas holiday, then you’ll need to be able to provide your receipts. While it’s always necessary to keep receipts for your medical expenses, make sure that you keep any other receipts from your holiday as well. Receipts for hotel stays, flights and even dining receipts (if you experienced food poisoning) may be required to substantiate your claim. Examples of receipts that you should keep include:
- All hospital and doctor’s receipts
- Receipts for pharmaceutical products that you may have purchased
- Pathology receipts
- Hotel, airline, railway, bus company and/or restaurant receipts
4. Cover for some Coronavirus-related events during your holiday
If you or one of your travelling partners contracts COVID-19 at any time during your holiday, and you need to cancel your travel plans, then you may be able to claim for any non-refundable expenses that you had incurred. Your Explorer Plan cover must already be in effect (having already passed your 72-hour waiting period), at the time that you or one of your companions caught COVID-19.
To support your claim, you’ll need to obtain a treating doctor’s report or medical certificate stating the Coronavirus diagnosis. Other documents that you’ll need to provide include pathology reports or official health statements indicating a positive COVID-19 result for you or anyone in your travelling party. Any claims for non-refundable expenses will need to be supported by copies of your receipts.
Please note: Coronavirus cover varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
5. Need to know more?
This information may help if things go wrong and you want to make a claim. 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. Your PDS will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
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 a trip to Croatia
What you should consider when buying travel insurance for a trip to Croatia.
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Travel Insurance when visiting Croatia
Always exciting and beautiful, Croatia has enjoyed a surge in tourism in the last decade, especially in the summer. Croatia has incredible national parks, such as those in Krka and Northern Velebit, a vibrant capital, Zagreb, and picturesque beaches on the Adriatic coast.
- Lost, stolen or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our 24/7 Emergency Assistance Team
- Cover for activities and sports when in Croatia
- Are you looking for more travel inspiration for Croatia?
While you dream of exploring the popular TV show locations in Dubrovnik, take in the bustling restaurants and bars of Split, or delve into the history and museums located in Zadar, you may want to consider some travel insurance for any unexpected events that may occur.
Lost, stolen or delayed baggage cover
It can throw a spanner in the works to arrive in Zagreb and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. If you're bags get lost in transit, or are stolen or damaged along the way, baggage insurance may be able to help.
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.
World Nomads may offer cover (up to the policy limits) for loss, theft or damage to baggage or personal items depending on your specific situation, see below:
- Bags stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged, please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. Insurance won’t cover bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- Bags delayed: you may be covered if your bags were lost in transit. You’ll need to report the incident and get a Property Irregularity Report, or a similar official report, in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bag turns up. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your country of residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to Croatia, travel insurance may help if you become unwell or have an accident, especially in these uncertain times of traveling and dealing with Coronavirus (COVID-19). You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your country of residence.
With Coronavirus causing travel disruptions globally, it’s also important that you follow any government guidelines while in Croatia. It’s always a good idea to wear a face mask when visiting any of Croatia’s popular hotspots.
The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team
Dealing with a medical emergency can be frightening and confusing, but you don’t have to go through this experience on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, need help with a foreign language, help out with admin and arrange for payment of expenses if necessary. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Croatia
If you’re looking to get your adrenaline levels up and you go hiking, backpacking, or rock climbing in one of Croatia’s eight incredible National parks, World Nomads offers travel insurance cover for 150+ activities and sports. Please check your Policy Wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
Are you looking for more travel inspiration for Croatia?
World Nomads has various articles that cover a range of fun topics on Croatia, such as 7 places in Croatia you haven’t heard of , 7 safety tips for travel around Croatia, and the latest travel alerts for Croatia.
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.
Travel insurance tip 1: never leave your bags and valuables out of your sight and reach. Try and carry your portable electronic devices (tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices), jewelry, specified high- value items, travel documents, cash and credit cards with you at all times. If you can’t, then leave them in a secure place such as a locked safe. Remember that if you buy anything, before or during your trip, to keep all receipts.
Traveler Tip 2: undetonated landmines from the Croatian War of Independence in the 1990s are littered throughout some mountains and woodland areas, so it’s best to stick to the commonly used hiking trails.
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 a trip to Germany
What you should consider when buying travel insurance for a trip to Germany
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As featured in:
Whatever your plans are when jetting off to Germany, World Nomads travel insurance may be able to help keep your plans on track when you need it the most - you might be planning a family camping trip in East Bavaria, going solo on a summer trip to Rugen Island, or maybe mountain biking with your travel buddy at Bikepark Winterberg.
- What's covered
- Getting adventure sports coverage
- Support for medical emergencies
- Road safety on the Autobahn and in general
- Keep an eye on your gear 24/7
- What's not covered
What's covered
With World Nomads, you can buy travel insurance when you book your trip from home or while you're already traveling around Germany.
World Nomads offers cover for many activities ranging from mountain biking to skiing, surfing, kayaking and scuba diving. All our plans offer cover for:
- Overseas emergency medical
- Medical evacuation and repatriation
- Trip cancellation
- Lost or delayed baggage
- Travel delay/interruption
- Cover for some Coronavirus-related events.
Make sure that you’ve selected the right travel insurance plan for your specific needs. 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.
Getting adventure sports coverage
World Nomads can support you on a variety of outdoor adventures, with coverage for more than 150 activities and sports. You may need to compare the Standard or Explorer plans to see which activity levels are covered on each plan. Depending on your country of residence, you may need to add activities to your policy for an additional fee.
Your plan may also have conditions of coverage. For example, you may be required to wear safety equipment, book a tour with a licensed tour operator, or stay within certain parameters of your sport: your treks may only be covered up to a certain elevation, or your scuba dives only to a certain depth.
Please check your policy for any exclusions, such as search and rescue missions and professional sports.
Support for medical emergencies
Germany is one of Europe’s most-visited adventure travel destinations and with that comes the possibility that you may be injured or worse. Your travel insurance can back you up if you’re injured or fall ill and need urgent medical assistance.
Our 24/7 Emergency Assistance Team can get you help on the ground when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat your condition.
Get in touch with the team before undergoing any medical treatment; you may need pre-authorization before undergoing medical procedures or ordering an evacuation. It’s also important that you look at the exclusions section of your policy; our plans don’t cover pre-existing medical conditions or preventative care.
Road safety on the Autobahn and in general
Road conditions can be tricky in Germany, especially if you’re planning a long road trip on the Autobahn. For example, Germany’s legendary Fairy Tale Route ("Märchenstraße") stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea.
Some of our plans have damage collision waiver coverage for rental cars, depending on your country of residence, and whether you’ve chosen a Standard or Explorer plan. If you get into an accident, be sure to always get a report from the authorities, which you’ll need for your claim.
In a crisis, our Emergency Assistance Team is available 24/7 for referrals or locations of nearby hospitals, medical providers or pharmacies. The team can also help during an emergency if you’re having trouble with a language you don’t know.
Keep an eye on your gear 24/7
While Germany is considered a safe tourist destination, you should always be aware that petty thieves and pickpockets are attracted to big tourist hotpots. When in crowded areas in any German city always maintain a sense of awareness of your surroundings.
It’s very important that you NEVER leave your valuables out of sight. If you're after travel insurance cover for tech gear or need extra cover just in case your bags are delayed or stolen then World Nomads has options for you to keep those prized possessions insured.
Ready to go to Germany but need more information?
Before you pack your bags, read our articles on adventure in Germany, how to survive German Autobahn’s and bikes like a Pro, and our latest travel safety alerts for Germany.
What's not covered
Here are some of the things we don't provide cover for:
- Pre-existing medical conditions – see the policy wording for details.
- Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or ‘Avoid Essential Travel’ warning issued by your Country of Residence.
- Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
- Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
- Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
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.
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 team
