Holiday travel insurance
Get out and about overseas.
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For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.
How does travel insurance cover my holiday?
We know the most unexpected things can happen when travelling - activity-related accidents, earthquake, Coronavirus. So we've built our policies to help cover as many of those unexpected situations as we can. All of our policies have cover for:
- Emergency medical expenses abroad
- Luggage/baggage cover
- Cancellation
- 24/7 worldwide emergency assistance
World Nomads travel insurance also:
- Makes it easy to buy and claim online even if you’re travelling
- Lets you buy a policy at destination if you choose to keep travelling
- Provides you free access to travel safety advice for your next adventure
- Offers cover for a wide variety of adventure activities
- Gives you 24hr emergency assistance
What’s not covered on holiday travel insurance?
We've seen some pretty strange things on the road. Some of the exclusions include:
- If you do something illegal
- Where you've been acting in a reckless manner
- If you’re intoxicated as a result of taking drugs or alcohol
- Any costs associated with a sexually transmitted disease (except where contracted through an assault)
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn't covered. If you are unsure about your level of travel cover, please contact us for help.
Stolen Bag.
In the city of Jaén (Peru), 2 people stole my backpack with a motorbike. The bag was at my feet as I was waiting for my girlfriend to come back from the hotel as we were looking for one place to stay (we just arrived). One guy took the bag and as I realised it I ran after him to get my bag. He jumped into a local motorbike (awaiting next to him with 3 seats behind) with my bag. I ran after him, jumped into the motorbike and began to fight ... unfortunately, he kicked me out and the 2 (the driver and the guy who took my bag) drove away with my stuff.
French Nomad in Peru
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 deceased?
- Close relative dropped dead?
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 drugs?
- 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 to get to 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?
- Passport pilfered?
- 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)
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 Families
World Nomads offers travel insurance plans that ensure your family is protected—whether you're travelling with babies, children, or teenagers. Get an instant quote 24/7.
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- Dependents eligible for cover
- How could World Nomads family travel insurance help?
- What’s not covered
- Tips for New Zealand families planning a trip abroad
- FAQs for family travel insurance
Protect your loved ones on holiday
Travelling with your family is a whole different ball game. While you may have once pushed boundaries on your own, you now have loved ones in tow. That’s where World Nomads Travel Insurance comes in, we are here to support New Zealand families when unexpected events occur.
Dependents eligible for cover
With World Nomads travel insurance cover, a dependent is:
- Child(ren) or grandchild(ren), or others for whom you are the legal guardian and,
- Who are not in full time employment and,
- Are 20 years old or younger at the Policy Issue Date and,
- Are travelling with you on your trip and are listed as covered on your Certificate of Insurance.
Note: age limits for dependents as outlined above will vary depending on your country of residence. Always read the Policy Document so you know what you are and are not covered for.
When applying for a policy there must be at least one adult insured on the policy, and at least one of the insured adults on the policy must be the legal guardian of the dependent(s).
If a dependent is not travelling with their legal guardian they may need their own policy, depending on your country of residence. Read the Policy Document carefully to choose the right plan and level of cover for everyone who is travelling with you. Your policy may have terms, conditions, limitations, and exclusions.
Did you know: You can add your children and grandchildren to our policies at no extra cost? Only adults are charged. It’s just one of the ways we look after families on their travels.
How could World Nomads family travel insurance help?
World Nomads is dedicated to assisting New Zealand families with:
- 24/7 emergency assistance: Quickly locate local medical services and hospital care if needed.
- Cover for 220+ adventure activities: Enjoy your holiday knowing that many common travel activity related injuries and related incidents are covered.
- Overseas medical: Protection for overseas medical emergencies including access to hospitals and dental.
- Trip cancellations: If you need to cancel your trip we may help cover some costs.
- Baggage and high-value items cover: if your baggage or items are stolen, lost or damaged you may be covered, including benefits if your bags are delayed and you need to purchase emergency clothes and toiletries.
- Coverage for extended stays: if you’re having too much fun and want to extend your family holiday, your plan can be extended while still traveling for up to 12 months from your departure date (terms and conditions apply). You can extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.
Travel insurance tip: If you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated (except for emergency medical as a result of a sudden accident which is witnessed and verified by an independent third party).
Get travel advice through our Travel Wiser content, FAQs, guides, safety information, and travel alerts.
To avoid any surprises when making a claim, it’s a smart idea to become familiar with the various limits, benefits, available upgrades, terms and conditions before you buy a policy.
What’s not covered by our plans
Be sure to review your policy carefully, as there are exclusions, such as:
- Cancellation for change of mind: Expenses incurred if you simply change your mind are not covered.
- Illegal activities: Any costs related to unlawful actions are excluded.
- Non-emergency treatments: Routine treatments that can wait until your return are not covered (this is for travel emergencies only).
- Certain existing medical conditions: Some conditions may not be covered as specified in your policy.
Tips for New Zealand families planning a trip abroad
- Prepare in advance: Research and purchase your travel insurance as soon as you book your holiday to maximize coverage benefits. Give yourself plenty of time to get to airports, get through security and board transport. Keep your schedule loose and flexible.
- Read the fine print: Ensure you fully understand the policy exclusions, especially concerning existing medical conditions and non-emergency treatments.
- Prepare documentation: Keep copies of important documents, such as medical records, passports, birth certificates, and travel itineraries. Always check visa requirements of your intended destination(s) – some countries require you to have at least 6 months validity on your passport.
- Emergency planning: Familiarize yourself with local emergency services at your destination and share your travel plans with a trusted contact back home. Take relevant medical information with you and keep it handy.
- Budget for unexpected costs: Consider setting aside extra funds for emergencies, even if you’re covered by insurance.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
FAQ
Here are our most frequently asked questions about cover for families. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What is the definition of a family travel insurance policy?
Two adults, 69 years old or younger at the time you buy your policy or purchase more cover, who are travelling together for the majority of the trip with one to eight dependents.
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What is considered a close relative?
A close relative is defined by us as your spouse/de facto partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter or guardian.
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Am I covered if I need to cancel my trip because a relative is sick/injured?
If a close relative is suddenly hospitalised or dies from a sudden illness or serious injury, then your travel insurance policy can help if you have to cancel or re-arrange your trip.
If you have to cancel or rearrange your trip, there may be cover for:- The non-refundable portion of your travel expenses, including transport, accommodation, tours/experiences, tuition/course fees, travel agency cancellation fees and frequent flyer points.
- Your reasonable and necessary additional transport and accommodation expenses to return home early to visit your family, including:
- the costs incurred to change your flights to an earlier date; and
- The costs of itemised phone calls and internet expenses incurred when contacting us or your travel provider to rearrange, resume, catch up to or end your original travel plans.
- Costs incurred to re-arrange your travel plans so you can resume your trip after your visit home.
How it works
Before you change your plans, you must contact your travel providers to try to minimise your expenses and request any refunds or rescheduling assistance. You may resume your trip under the same policy up until it’s end date (with pre-approval of trip resumption costs first).
You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim. Also be aware that any claim submitted will have the policy excess applied.
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Does World Nomads cover existing medical conditions for children?
It depends on the specific policy terms. Please review the PDS or contact customer service for guidance on coverage for your child’s condition.
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How do I buy travel insurance for the family?
Go online and enter a few details about yourself, your destinations, and the ages of all your family members. We will generate an instant quote with both Standard and Explorer plan options, and you can pick which one suits your specific needs. Once you’ve selected the right level of cover and paid, you will get instant confirmation of your family travel insurance to your selected email.
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
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- 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)
We cover more than 150 activities you love + more
Here are several activities under each category that World Nomads love to do:
Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Snow
- Bobsledding
- Ice Hockey
- Ice Skating
- Kite Wing
- Skiing
- Snowboarding
- Snow kiting
- Snowmobiling
- Tobogganing
Water
- Canoeing
- Kayaking
- Paddle Boarding
- Sailing
- Scuba Diving
- Snorkelling
- Surfing
- Tubing
- Windsurfing
Air
- Aerial Safari
- Ballooning
- Bungee Jumping
- Hang Gliding
- High Diving
- Hot Air Ballooning
- Passenger in a commercial aircraft
- Skydiving
- Tandem Skydiving
- Zip Line
Land
- Bushwalking
- Camel Riding
- Camping
- Caving
- Hiking
- Orienteering
- Motorbiking
- Mountain Biking
- Trekking
Sports
- Baseball
- Basketball
- Cricket
- Fencing
- Go Karting
- Golf
- Hockey
- Tennis
- Ultimate frisbee
- Volleyball
Experiences
- Childcare work
- General farm work
- Hospitality
- Restaurant
- Teaching
- Fruit Picking
- Admin work
- Office work
- WWOOFing
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 Expats
Working and traveling overseas? Get travel insurance for your holidays.
- As featured in:
As featured in:
For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
With flexible travel insurance that covers more than 200 activities, sports, and experiences, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.
Travel insurance for expats
World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.
There are three main reasons expats keep coming back to World Nomads for their travel insurance:
1) Flexible travel insurance
We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need.
2) Accessible online travel insurance even after you’ve left home
Our travel insurance is available to most nationalities living or travelling outside of their Country of Residence. You can purchase online using a credit card as you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.
3) Many of the essentials you may need, and more.
World Nomads designed its travel insurance around what our travellers most often claim for and tell us they want. In addition we cover more than 200 activities, sports, and experiences.
Is cover for Coronavirus available?
World Nomads can offer benefits for medical issues related to Coronavirus (COVID-19). If you are diagnosed with COVID-19 while overseas and it’s not considered an ‘existing medical condition’ under our policy, your benefits may include:
- 24/7 access to our Emergency Assistance team, who can help you access local medical care.
- Medical costs including hospitalisation.
- Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.
In addition, our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has all of the details, including benefit limits and exclusions.
There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form, and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
This isn't health insurance!
Expats must be aware this is travel insurance not health insurance.
This means it will not cover you for ongoing medical care. It also excludes many existing medical conditions as well as any medical treatment that is not considered necessary by our medical specialists. If you’re not sure if you’ll be covered for something, contact us and we can help.
Melanoma
I noticed a mole on my back was bleeding and so went immediately to the doctor. He checked my moles and said the three of them looked suspicious and needed to be removed for testing for Melanoma. I went went back the next day to had them removed.
Kiwi Nomad overseas.
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
- Have you died?
- Has one of your relos died?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- 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)
Travel Cover for 220+ Adventure Activities
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 Stolen or Lost Credit Cards
When your cards get stolen or lost and you need a replacement.
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Credit card theft is all too common when travelling overseas, with organised crime networks often targeting tourists.
While travel insurance isn't there to cover your card being skimmed (you've got to hit up your bank to recover those losses), some of our policies can help with the cost to replace your credit cards. And if you're unsure what to do, all of our 24/7 Emergency Assistance Teams can provide advice.
What's covered by travel insurance if my credit cards are stolen?
| Country of Residence | Credit Card Replacement | 24/7 Assistance |
|---|---|---|
| Australia | ||
| Brazil | ||
| Canada | ||
| Ireland | ||
| New Zealand | ||
| United Kingdom | ||
| USA | ||
| All other countries |
What's not covered by travel insurance?
- Any financial loss if your cards are skimmed or used fraudulently.
- Cancelation or trip interruption expenses unless you're an Aussie or Kiwi.
- If you don't get a report from the police or relevant authority confirming what has happened.
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 Document 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.
What to do if your credit card gets stolen.
It’s essential that you report the theft of your credit card to the police as soon as possible, and get it in writing for your claim.
If you need urgent help, get in contact with our 24/7 Emergency Assistance Team as soon as possible, so that our team can advise you of what you need to do to get a replacement credit card.
To help our 24/7 Emergency Assistance Teams assist them quickly, they'll need the following:
- Your policy number
- Your location
- As many details as possible about the circumstances
Stolen Card in Venice Beach.
I had my passport and credit cards stolen from my bag while staying in Venice Beach, California. This is the beginning of my trip which I had prebooked and organised flights and tours from LA to other parts of America. I have missed my flight to Las Vegas from SanFrancisco and my flight from Las Vegas to Seattle. I also had to cancel accommodation in Las Vegas and San Francisco. This is due to the fact that the earliest time for me to get a replacement temporary passport and cards is too late.
Claim Paid: $936.85
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 teamFAQ
Here are our most frequently asked questions about stolen credit cards. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Is there an excess if I need to claim for a stolen credit card?
Yes, there is an excess for stolen credit card claims. Check your policy to find out what's applicable.
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Can I get a cash advance until my new credit card arrives?
No, none of our insurers will organise a cash advance for you.
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Can you help me put a stop on my credit card?
You'll need to do this yourself or organise a family member to do it for you.
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Why won't you cover me if my card is skimmed?
Your bank should have security measure in place to help you with that.
