Travel Insurance for Germany
From skiing in the Bavarian Alps to experiencing Berlin’s nightlife, learn how insurance for Germany could help Canadian travellers.
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- Do I need travel insurance for Germany?
- Travel insurance for activities in Germany
- Travel insurance for medical emergencies in Germany
- Travel insurance for lost luggage in Germany
- Road safety on the Autobahn and in general
- Travel insurance for cancelled, interrupted, or delayed trips to Germany
- Tips for travelling to Germany from Canada
What’s the first thing that comes to mind when you think of Germany? Storied forests, towering mountains in the Alps, fairytale castles like Neuschwanstein, charming towns such as Baden-Baden—famous for its spas— and wandering through festive Christmas markets with glühwein in hand, among other magical winter experiences, all come to mind for us. Of course, sloshing pints of beer at boisterous Oktoberfest celebrations, dancing your heart out at Berlin’s infamous clubs, summer techno festivals, and sampling local culinary specialties like sauerkraut, pretzels, and currywurst are not to be forgotten. Whatever your ideal trip looks like, Germany offers an eclectic art and music scene, natural beauty, and a diverse history.
Despite all the fun to be had in Germany, you can bet we’ve seen all sorts of travel insurance claims from Canadians travelling there. International travel can be life changing, but it also can involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote and purchase travel insurance for Germany before you set forth on your journey.
Do I need travel insurance for Germany?
World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like theft of your baggage or a missed connection due to inclement weather that grounds your flight, for example.
Travel insurance for Germany can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as rock climbing in Bavaria.
Our travel insurance plans also include important travel, medical, and security assistance services designed to provide you with guidance before and during your trip.
We have two plans to choose from for different types of travellers and adventures.
Travel insurance for activities in Germany
Whether you’re planning to ski or snowboard in the Alps or take a long-distance hike through the Saxon Switzerland forest, World Nomads travel insurance covers Canadians for over 250 activities in Germany. Rock climbing the crags of Frankenjura, kayaking on Bavaria’s mountain rivers and lakes, and cycling through the region of Rhoen are all covered under travel insurance for Germany.
It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case.
Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both of our Standard and Explorer Plans. To have coverage for adventurous sports, work, and activities listed as Level 2 or Level 3, you will need to upgrade your adventure sports coverage and pay an extra premium at the time you purchase your policy.
Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.
Remember, travel insurance does not cover everything – for example, travel insurance will note cover you for any losses or expenses if you are intoxicated.
Travel insurance for medical emergencies in Germany
Whether you have an accident while tackling the Alpspitz Ferrata or sustain an injury while surfing the Eisbach River in Munich, you can protect yourself from loss due to emergency medical expenses by purchasing a travel insurance plan for your trip to Germany.
In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.
The Emergency Assistance Team can also help you navigate the unfamiliar health care system in Germany, including assisting you with language barriers and finding the best places to seek medical treatment.
Travel insurance for lost luggage in Germany
Lost or stolen bags is never something we plan for, but these things do happen. Did you arrive in Munich but your bag packed with your winter gear for your ski vacation didn’t? The first step is to contact the airline. If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens and your bag is missing for 12 hours or more, your travel insurance for Germany could still reimburse you for a change of clothes and toiletries, until you and your bag are reunited.
While Germany is generally considered safe, pickpocketing or theft can happen anywhere. It’s important to be mindful of your belongings on crowded metros and busy markets. If your stuff is stolen from under your nose, your travel insurance plan could also reimburse you for what was lost (deprecation and plan limits will apply). When picking a plan, you may want to consider the amount of baggage coverage available and make sure you are comfortable with the maximum amount. The Standard and Explorer plans each have different limits.
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 with translation services during an emergency.
Road safety on the Autobahn and in general
You may be interested in taking Germany’s legendary Fairy Tale Route ("Märchenstraße"), which stretches for 600 kms from the town of Hanau in Central Germany all the way up to Bremen on the North Sea, or simply cruising between different German cities. If you’re planning a long road trip on the Autobahn, there are some rules of the road to be aware of. Drivers can go as fast as they want in de-restricted sections of the highway, although this doesn’t necessarily mean you should drive as fast as you want. The German government recommends a speed of about 130kph. World Nomads travel insurance includes emergency medical coverage that could assist you if you are injured in an accident. You will want to make sure to purchase car rental insurance separately, as this is not covered
Travel insurance for cancelled, interrupted, or delayed trips to Germany
Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable travel expenses.
Trip cancellation and Trip interruption coverage can help protect you in case of emergencies before your leave, or back home in Canada after you’ve departed. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused, pre-paid travel expenses (up to plan limits) that you can no longer use.
Tips for travelling to Germany from Canada
As much as you may have planned each detail of your German adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Germany before you leave. Up-to-date warnings— including weather advisories and political situations—will be listed on the website.
It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few German words and phrases will also go a long way!
Finally, you may also want to read up on some local tips and destination inspiration for non-touristy spots to check out in Germany. This way you can experience the lesser-known side of this European country rich in history, cultural festivities, and mountains.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, of if you have questions, 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?
- 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 teamGet a Travel Insurance quote
Simple and Flexible Travel Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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How do I get a travel insurance quote?
Travel insurance when visiting the United Kingdom
Everything European Travellers Should Know for a Smooth British Getaway
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The United Kingdom, a land where ancient history meets modern charm. You could be tracing the footsteps of literary greats in the Lake District or plunging 160 feet toward the River Tees on a bungee jump, before the cord pulls you back to reality. The United Kingdom truly offers something for every European nomad. Whether your flavour is the buzzing urban streets of London or skydiving over Salisbury Plain, mishaps can happen - having travel insurance as your trusty travel sidekick could be a brilliant idea.
- What does World Nomads travel insurance cover?
- What should I look out for when travelling to the United Kingdom?
- What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
- What's not covered
- FAQs
What does World Nomads travel insurance cover?
With World Nomads, you can select either the Standard Plan for basic travel protection or the Explorer Plan for broader coverage.
Both plans offer coverage for:
Overseas emergency medical: Whether it’s a tumble on a Welsh mountain or a sudden fever in London, World Nomads has your back (literally). Our coverage includes up to €5,000,000 on the Standard Plan and €10,000,000 on the Explorer Plan for emergency medical treatment such as surgery, hospital charges, outpatient care, prescribed medicines, and even physiotherapy when required in a hospital setting (as specified in the policy wordings).
Baggage Protection: Lost your bag in the hustle of Heathrow or had your gear swiped in a packed London Tube station? It happens. World Nomads travel insurance covers European travellers for lost, stolen, or damaged baggage up to policy limits. The Standard Plan provides up to €1,500 in total coverage, while the Explorer Plan offers a more generous limit of €3,000. Baggage delay coverage starts at 24+ hours.
24/7 Emergency Medical Assistance: Emergencies don’t wait, and neither do we. World Nomads’ 24/7 Emergency Medical Assistance Team is on standby to help connect European travellers to medical care, overcome language barriers, or coordinate an urgent evacuation.
Looking for a traveller insurance quote? You can grab one online here.
What should I look out for when travelling to the United Kingdom?
It’s no surprise that Europeans are drawn to the United Kingdom - its constant buzz of excitement pulls thrill-seeking travellers in from all over. But Mother Nature has a way of showing her mood swings, with sudden rainstorms and gusty winds always ready to make an entrance. Travel disruptions can be a real pain, especially when navigating busy transport hubs like Heathrow or London Euston. Thankfully, World Nomads offers cover for unexpected delays and cancellations. So, whether it’s unpredictable weather, strikes, or missed connections throwing off your plans, you can recover non-refundable costs and keep your adventure on track.
SmartDelay™ – the bright side of a flight delay
Look, we know from experience that flight delays are frustrating. But we also know that food makes frustrations a little less stressful. Right? If your flight is held up, we’ll take the edge off by giving you access to the airport lounge, with complimentary drinks and snacks. Please remember to register your flight details at least 24 hours before departure to avail of the service.
Travellers tip: The United Kingdom’s major cities, like London, can have busy rush hours, so consider travelling outside peak times or using apps to navigate public transport efficiently.
What are the benefits of World Nomads travel insurance when travelling in the United Kingdom?
Cover for Activities and Sports in The United The United Kingdom
The United Kingdom ’s landscapes are made for adventure, and we cover 150+ sports and activities to match. Planning to hike the dramatic trails of the Lake District, or cycle through the rugged Scottish Highlands? We’ve got you covered (up to policy limits, of course). Planning something more adventurous, like mountaineering or rowing on the Thames? Make sure to specify high-risk activities in your policy for complete coverage.
Air Doctor powered by World Nomads
Left home without your prescription? No worries. With Air Doctor, you can connect with a doctor anywhere in the world for basic healthcare needs. Instead of waiting hours in an Emergency Room, you can have your prescription sent directly to a local chemist for pickup or get treated for non-urgent issues quickly and conveniently. That way, you can get on with exploring the United Kingdom.
Travellers tip: most places in the United Kingdom, from public transport to cafés, accept contactless card payments or mobile wallets – it's an easy way to pay and often quicker than cash. Just make sure you notify your bank before you leave the EU.
What's not covered
While we’ve got you covered for many adventures, travel insurance isn’t designed to cover everything. Some things we don’t cover include:
- Pre-existing medical conditions: sorry, those aren’t covered.
- Unattended belongings: if you leave your gear in a public or unsecured spot, we’re not liable.
- High-risk activities: planning something wild not listed in your policy? You’re on your own.
- Alcohol and drugs: any mishaps while under the influence won’t be covered.
- Unlawful acts: if your claim comes from something illegal or reckless, you’re out of luck.
This is not a complete list of what’s covered and what’s not; please check your policy for 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.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need travel insurance for the United Kingdom from the EU?
Travel insurance isn’t a prerequisite for European travellers heading to the United Kingdom. However, it could protect you from costly surprises, like emergency medical care or travel delays.
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Will travel insurance cover medical costs in the United Kingdom ?
Absolutely. All World Nomads travel insurance policies cover emergency medical expenses in the United Kingdom, from hospital stays to urgent care. Just make sure to review your plan for full details.
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Can I extend my travel insurance if I decide to stay in the United Kingdom longer?
Yes, you can extend your World Nomads travel insurance if you decide to prolong your stay in the United Kingdom. Simply log into your World Nomads membership before your current policy expires to purchase an extension, before your current policy expires.
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I’m already in the United Kingdom, can I get travel insurance?
Yes, you can purchase travel insurance even after arriving in the United Kingdom . World Nomads offers flexible policies that can be bought online from anywhere, anytime. Please note that a waiting period of up to 72 hours may apply before full coverage begins, and any period of travel before this is not covered.
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
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
True Claims Stories
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 Digital Nomads
Protecting Europeans’ tech gear on the go
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Picture this: you’re a European digital nomad soaking up the sun in Lisbon while wrapping up a project. But then, the unexpected strikes—your phone’s stolen, or you come down with a fever. Suddenly, your carefree work-travel balance is thrown off. This may just be the moment you’re grateful for packing the travel insurance in with all your travel essentials.
- Why should I consider travel insurance when travelling as a digital nomad?
- Does travel insurance for digital nomads cover my tech?
- What are the benefits of World Nomads travel insurance when working abroad?
- What's not covered by travel insurance for digital nomads?
- FAQs
Why should I consider travel insurance when travelling as a digital nomad?
With an unpredictable lifestyle comes, well…unpredictability. As a digital nomad, your tech gear and health are everything, and an unexpected hiccup ruins more than your day—it affects your work. No one wants that. Or perhaps your job involves travelling between Schengen countries? Even a short trip from Paris to Madrid can come with unexpected issues. With the right digital nomad insurance cover, Europeans can work and wander the world without worrying about what could go wrong.
Does travel insurance for digital nomads cover my tech?
As a digital nomad from the EU, your tech gear is more than just equipment; it's your livelihood. Having your lappy stolen at the Amsterdam Schiphol Airport while waiting for your connection, or your phone damaged in an unexpected storm at the Algarve in Portugal can throw your entire routine into chaos. Our Standard and Explorer policies may cover the reimbursement of your devices if they’re stolen, lost, or damaged while under your supervision.
Our coverage extends to a wide range of gadgets and valuables, including:
- Mobile phones
- Photographic equipment
- Binoculars, telescopes
- Computers and accessories (like laptops and gaming gear)
- Tablets and e-readers
- Audio equipment (like headphones and speakers)
- Drones and GPS devices
Travellers tip: Always keep your receipts—hard copies or digital—for any gadgets you buy, whether before or during your travels. These can be essential if you need to make a claim. And remember to back up important travel documents, ID, and other details for extra security.
What are the benefits of World Nomads travel insurance when working abroad?
Medical Coverage and Emergency Medical Assistance
From hiking mishaps in the Austrian Alps to a bad case of food poisoning in Istanbul, medical emergencies can strike European digital nomads at the worst times. World Nomads travel insurance can cover overseas medical expenses, hospital stays, and emergency repatriation if required. With 24/7 emergency medical assistance, you’ll get the support you need, no matter where your adventures take you.
Cover for more than 150 sports and activities
Work hard, play harder—that’s the motto for any European adventure-loving digital nomad. With mountains to climb, rivers to kayak, and waves to surf, World Nomads understands you don’t want to limit your travels to just working, which is why we offer coverage for more than 150 sports and activities. Just make sure you’re aware of any specific coverage needs for high-adrenaline sports in your chosen destination.
Smart Delay
No one likes to hear the words ‘flight delay,’ especially when you’re already juggling work commitments and travel plans. Thankfully, Smart Delay by World Nomads turns that frustration into a little luxury. If your flight is delayed by 90 minutes or more, we’ll send you a LoungeKey™ pass, giving you access to over 1,500 airport lounges. It’s the perfect way to stay productive or simply relax while waiting. Ensure that before you travel (at least 24 hours), you register your flight with SmartDelay to avail of the service.
Travellers tip: Cyberattacks and identity theft are real threats when you’re on the move. Keep your data safe: use strong passwords, encrypt your laptop, and install antivirus software, skip public Wi-Fi where you can.
For more digital nomad tips, check out our article, 6 Travel Tips for Digital Nomads. Or if you’re ready to pack the gear and go, get a quote today and make that digital nomad dream a reality.
What's not covered by travel insurance for digital nomads?
Sorry, but even the best travel insurance has its limits. Here’s some examples of what’s not on the list:
- Considering leaving your laptop unattended while swimming in the crystal-clear waters of the Croatian coast? If it goes missing, that one’s on you.
- Device malfunction or wear and tear? That’s a conversation for your manufacturer, not your travel insurer.
- Placing your gadgets in checked luggage? If they’re damaged or stolen, they won’t be covered.
- No receipt or record of ownership for your items? We can’t reimburse you without it.
- Fail to report stolen or lost items to local authorities or venue management? We won’t be able to process your claim.
This is not a complete list of what's covered and not covered. Other terms, conditions and exclusions apply. Please read your Policy Wording carefully. If you’re unsure if something is covered or how to claim, contact us, and we’ll let you know.
FAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What are the requirements to get a digital nomad visa?
Each country has specific requirements, but generally, digital nomad visas require proof of income, travel insurance, and accommodation plans. Some may also require a valid employment contract or proof of self-employment. Be sure to check each country’s specific requirements before applying.
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Do I need travel insurance for a digital nomad visa?
Yes, most digital nomad visas require proof of travel insurance or health insurance that covers you for the entire duration of your stay in a foreign country.
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If my electronics have an expired warranty, can I claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation is the amount we deduct from your overall claim based on the wear and tear of the item. The age and type of item are factors used to calculate the depreciation amount.
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Why won’t you cover my tech devices if they’re checked in with an airline?
Electronics are fragile, and checked-in luggage can easily be damaged.
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What if I don’t have receipts for all of my items?
You can file a claim but still need to show proof of ownership. Read our Help Center article for more information on what to do if you don’t have documentation.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 teamSeguro para Interrupção de Viagem
Descubra como o Seguro Viagem pode apoiar você quando eventos inesperados atrapalharem seus planos.
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Viajar pode ser uma das melhores experiências da vida, oferecendo oportunidades para explorar novas culturas, visitar marcos históricos, criar memórias para a vida toda e até se aventurar. No entanto, alguns imprevistos podem ser bastante indesejáveis, interrompendo até mesmo os planos de uma viagem super organizada.
Seja viajando para destinos internacionais ou explorando seu próprio país, o seguro com proteção para interrupção de viagem é uma rede de segurança essencial que te ajuda a diminuir o estresse financeiro e emocional decorrente de mudanças inesperadas.
Este artigo explica o que é a cobertura para interrupção de viagem, as situações geralmente cobertas, riscos excluídos e como escolher a apólice ideal para atender às suas necessidades como residente no Brasil.
O que é a Cobertura para Interrupção de Viagem?
Essa cobertura reembolsa determinados custos quando sua viagem é inesperadamente interrompida por motivos previstos na cobertura. Eventos imprevistos, como doenças, acidentes ou emergências familiares, podem encerrar seus planos de viagem imediatamente. Os custos cobertos incluem despesas pré-pagas e não reembolsáveis, como passagens aéreas, hospedagem e passeios, além de custos adicionais para retornar para casa mais cedo.
Para viajantes brasileiros, que muitas vezes investem tempo e dinheiro consideráveis no planejamento de viagens internacionais, essa cobertura pode representar uma proteção essencial. Sem ela, eventos inesperados podem trazer desafios logísticos e financeiros difíceis de administrar sozinho.
Ao planejar sua próxima aventura, considere a importância dessa cobertura. Entender os detalhes e escolher a apólice certa para suas necessidades permite que você aproveite sua viagem com tranquilidade, sabendo que está protegido contra qualquer imprevisto.
O que o Seguro para Interrupção de Viagem cobre?
A cobertura oferecida geralmente inclui:
- Emergências Médicas
Doenças ou lesões súbitas, como fraturas ou condições graves, que afetem você ou um(a) companheiro(a) de viagem previsto na sua apólice podem exigir o encerramento da viagem. Por exemplo, imagine que durante suas férias dos sonhos, você sofra uma queda e quebre a perna. A cobertura para interrupção de viagem pode ajudar a cobrir despesas médicas, reembolsar o custo de passeios cancelados e até mesmo ajudá-lo a antecipar seu voo de volta para o Brasil. Esse benefício pode poupar você de um impacto financeiro significativo em uma situação que já é estressante.
As apólices geralmente cobrem interrupções causadas por:
- Hospitalização ou falecimento de um viajante ou parente próximo.
- Condições médicas graves que exijam atenção imediata.
- Convocação Judicial Inesperada
Caso você receba uma notificação judicial improrrogável enquanto está viajando, os custos de seu retorno antecipado podem ser reembolsados. - Emergências Familiares
Quando um familiar próximo, no Brasil, enfrenta uma emergência médica grave, um acidente ou até mesmo um falecimento, você pode precisar encurtar sua viagem. O seguro para interrupção de viagem pode ajudar a cobrir os custos associados ao seu retorno antecipado, permitindo que você esteja onde mais precisam de você. - Requisitos de Quarentena
Se, durante sua viagem, um profissional de saúde determinar que você precisa de quarentena devido ao diagnóstico de doenças contagiosas adquiridas durante sua viagem, o seguro para interrupção de viagem pode ajudar com os custos relativos à prorrogação de sua permanência ou de seu retorno antecipado. - Deportação devido a Documentação Faltante
Em casos raros, pode ocorrer uma deportação devido à falta de documentação adicional que não foi previamente solicitada pela agência de viagens ou pela empresa responsável pelo planejamento e venda de sua viagem. Embora a situação seja frustrante e inconveniente, o seguro para interrupção de viagem pode oferecer cobertura para ajudá-lo a retornar para casa rapidamente, sem arcar com todos os custos sozinho.
Você pode solicitar um orçamento para saber mais sobre nossos planos de Seguro Viagem e tudo o que é coberto. Se tiver dúvidas, entre em contato que nossa equipe terá o prazer de te ajudar.
O que não é coberto pelo seguro para interrupção de viagem?
É importante entender as exclusões do seguro para interrupção de viagem para evitar surpresas. As exclusões mais comuns incluem:
- Ingressos para parques e shows: Embora a maioria das apólices ofereça cobertura para despesas não reembolsáveis relacionadas a passeios e serviços de viagem, como transporte, hospedagem e até taxas de inscrição para cursos de intercâmbio em viagens internacionais (limitadas ao valor determinado em sua apólice), ingressos para parques e shows não estão incluídos na cobertura.
- Condições pré-existentes: A menos que especificamente mencionado, a maioria das apólices não cobre interrupções e despesas médicas causadas por condições médicas pré-existentes. Se essa for uma preocupação sua, busque apólices que ofereçam cobertura com uma cláusula para condições pré-existentes.
- Negligência: Interrupções causadas por negligência pessoal, como não renovar o passaporte ou esquecê-lo, geralmente não são cobertas.
- Cancelamentos não essenciais: Os custos se você mudar de ideia sobre a sua viagem ou decidir encurtá-la por razões não emergenciais não será reembolsado.
- Eventos previsíveis: Eventos que poderiam ser facilmente previstos, como uma greve planejada ou uma situação política agravada anunciada antes da reserva da viagem, também podem ser excluídos.
Revisar cuidadosamente os termos e condições da sua apólice é essencial para entender todas as coberturas e o que não está previsto.
Qual é a diferença entre seguro para cancelamento, atraso e interrupção de viagem?
- Seguro para Cancelamento de Viagem: Entra em ação se você precisar cancelar sua viagem antes de começá-la por um motivo coberto. Esse tipo de cobertura garante o reembolso de despesas não reembolsáveis, ajudando a evitar perdas financeiras significativas.
- Seguro para Atraso de Viagem: Oferece reembolso de despesas se sua viagem sofrer atraso de mais de 12 horas por um motivo coberto.
- Seguro para Interrupção de Viagem: Aplica-se uma vez que sua viagem já tenha começado. Essa cobertura entra em vigor se você precisar encurtar sua viagem por um motivo coberto, como uma emergência médica ou crise familiar, fornecendo assistência financeira para despesas não planejadas.
Compare nossos diferentes planos de viagem – Standard, Explorer e Explorer Plus – para escolher o que oferece o nível certo de cobertura para atender às suas necessidades.
FAQ: Seguro para Interrupção de Viagem
Aqui estão nossas perguntas mais frequentes sobre a compra de seguro de viagem para interrupção de viagem. Você também pode encontrar respostas para outras perguntas em nosso Helpdesk ou pode perguntar à nossa equipe de atendimento ao cliente.
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Posso comprar Seguro Viagem enquanto já estiver viajando?
Sim, você pode adquirir o Seguro Viagem após o início da viagem. No entanto, certas restrições podem ser aplicadas, e alguns benefícios podem ser limitados se a apólice for comprada após a partida. Confira os detalhes de sua apólice e entre em contato com o serviço de atendimento ao cliente se tiver dúvidas.
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Como faço para abrir um sinistro?
- Se sua viagem for interrompida por um motivo coberto, entre em contato conosco o mais rápido possível. Para registrar um sinistro, será necessário fornecer a documentação, como:
- Comprovação do evento: Registros médicos, boletins de ocorrência ou declarações oficiais que verifiquem o motivo da interrupção.
- Recibos: Comprovantes de despesas pré-pagas e não reembolsáveis, como reservas de hotéis, passeios ou passagens aéreas.
- Despesas adicionais: Documentação de quaisquer custos inesperados, como voos ou hospedagens de última hora.
- Se sua viagem for interrompida por um motivo coberto, entre em contato conosco o mais rápido possível. Para registrar um sinistro, será necessário fornecer a documentação, como:
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Se minha viagem for interrompida e eu precisar voltar ao Brasil, o que estará coberto?
A cobertura para interrupção geralmente inclui reservas não utilizadas e não reembolsáveis, além de despesas adicionais para o retorno. Isso pode incluir a remarcação de voos e hospedagens.
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O seguro para interrupção de viagem vale a pena para viagens domésticas?
Embora seja mais comumente usado para viagens internacionais, o seguro de interrupção de viagem também pode ser útil para viagens domésticas, especialmente se envolver despesas pré-pagas significativas ou viagens para regiões remotas.
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O que acontece se meu pedido de visto for negado após eu já ter reservado minha viagem?
Algumas apólices podem cobrir cancelamentos ou interrupções causadas pela negação de vistos, desde que o pedido tenha sido submetido dentro do prazo e de acordo com os requisitos do destino. Verifique sua apólice para condições específicas.
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O seguro para interrupção cobre cancelamentos relacionados ao trabalho?
Cancelamentos relacionados ao trabalho geralmente não são cobertos, a menos que especificado pela apólice ou se você tiver adquirido uma cobertura adicional. Sempre confirme as condições antes de adquirir qualquer plano.
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E se a companhia aérea cancelar meu voo?
Se um cancelamento de voo pela companhia aérea interromper sua viagem, o seguro para interrupção de viagem pode cobrir os custos associados, como alternativas de transporte, desde que o motivo do cancelamento esteja alinhado com os eventos cobertos pela sua apólice.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 Trip Interruption
Discover how travel insurance may support you when unexpected events disrupt your plans
- As featured in:
As featured in:
- What is trip interruption coverage?
- What does trip interruption insurance cover?
- What isn't covered by trip interruption insurance?
- What is the difference between trip cancellation, trip delay and trip interruption insurance?
- Frequently asked questions
Traveling can be one of life’s most rewarding experiences, offering opportunities to explore new cultures, visit iconic landmarks, create lifelong memories and even open yourself up to the unexpected. However, some unforeseen events can prove unwelcome, as they can interrupt even the best-planned trips.
Whether heading to international destinations or exploring your own country, trip interruption insurance is a crucial safety net that can help mitigate the financial and emotional stress of unexpected and costly changes to travel plans.
This guide explains what trip interruption insurance is, the common scenarios it covers, its exclusions, and how to choose the right policy tailored to your needs as a Brazil resident.
What is Trip Interruption Coverage?
Trip interruption coverage in travel insurance is designed to reimburse you for certain costs when your trip is unexpectedly cut short due to covered reasons. Unanticipated events like illness, accidents, or urgent family matters can quickly put an end to your plans and enjoyment. The costs covered by travel insurance may include prepaid, non-refundable expenses such as flights, accommodations, and tours, as well as additional costs incurred to return home earlier than planned.
For Brazilian travelers, who often invest significant time and money in planning international trips, trip interruption coverage may prove to be an essential layer of protection. Without it, unexpected events could leave you scrambling to manage both logistical and financial challenges on your own.
When planning your next adventure, don’t overlook the importance of trip interruption insurance. By understanding the coverage details and selecting the right policy for your needs, you can focus on enjoying your journey with confidence, knowing you’re protected against the unexpected.
What Does Trip Interruption Insurance Cover?
The specific coverage offered by the trip interruption benefit includes many scenarios, such as sickness, injury, or the death of yourself, or of a covered travel companion or family member after the start of your trip. Coverage details can vary depending on the policy and plan you purchase. Below are some common situations for Brazil residents where trip interruption insurance can step in to help:
1. Medical Emergencies
A sudden illness or injury affecting you or a covered travel companion may require you to cut your trip short. For example, imagine that halfway through your dream vacation, you fall and break your leg. Trip interruption coverage can help cover your medical expenses, reimburse canceled tours, and even help you anticipate your flight back to Brazil. This benefit can spare you significant financial strain during an already stressful situation.
Policies often cover interruptions caused by:
- Hospitalization or the death of a traveler or close relative.
- Serious medical conditions that require immediate attention.
2. Unexpected Jury Service
If you receive a court notification after your trip has started, you might need to return home to appear in court. Trip interruption insurance can help reimburse the costs of your early return.
Imagine packing your bags for a beach getaway, only to be summoned mid-trip to serve on a jury. While inconvenient, trip interruption insurance ensures you won’t bear the financial burden alone.
3. Family Emergencies
When a close family member back home experiences a serious medical emergency, accident, or even death, you may need to cut your trip short. Trip interruption insurance can help cover the costs associated with returning home early, so you can be where you’re needed most.
4. Quarantine Requirements
If, during your trip, a medical professional imposes quarantine due to a diagnosis of a contagious disease contracted while traveling, trip interruption insurance can help with costs related to the extended stay or early return.
5. Deportation Due to Missing Documentation
In rare cases, deportation can occur due to a lack of additional documentation that was not previously requested by the travel agency or company responsible for your trip’s planning and sale.
While the situation can be frustrating and disruptive, trip interruption insurance can provide coverage to help you return home quickly without bearing the full cost yourself.
You can get a quote to learn more about our plans and everything that is covered. If you have questions, contact our team and they will be happy to assist.
What isn’t covered by trip interruption insurance?
It’s important to understand the exclusions of trip interruption insurance to avoid surprises. Common exclusions include:
- Tickets to parks and shows: Although most policies offer coverage for non-refundable expenses related to tours and travel services, such as transportation and accommodation, and even registration fees for exchange courses on international trips (limited to the amount determined in your policy), tickets for parks and shows are not covered.
- Pre-Existing Conditions: Unless specifically stated, most policies don’t cover interruptions and medical bills caused by pre-existing medical conditions. If this is a concern, look for policies that offer coverage with a pre-existing conditions waiver.
- Negligence: Interruptions caused by personal negligence, such as failing to renew your passport or leaving it behind, are generally not covered.
- Non-Essential Cancellations: Changing your mind about traveling or deciding to cut your trip short for non-emergency reasons won’t be reimbursed.
- Foreseeable Events: Events that could reasonably have been anticipated, such as a planned strike or worsening political situation announced before booking your trip, may also be excluded.
Carefully reviewing the terms and conditions of your policy is essential to understanding what’s covered and excluded.
What is the difference between trip cancellation, trip delay, and trip interruption insurance?
Trip Cancellation Insurance comes into play if you need to cancel your trip before it begins due to a covered reason. This type of coverage ensures you are reimbursed for non-refundable expenses, helping you avoid significant financial loss.
Trip Delay Insurance provides reimbursement for reasonable expenses if your journey is delayed by more than 12 hours for a covered reason.
Trip Interruption Insurance applies once you’ve started your trip. This coverage kicks in if you need to cut your trip short due to a covered reason, such as a medical emergency or family crisis, providing financial assistance for unplanned expenses.
Compare our different travel plans – Standard, Explorer and Explorer Plus to choose what plan has the right level of coverage to meet your travel needs.
FAQ
Here are our most frequently asked questions about buying travel insurance for trip interruption. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I buy travel insurance while already traveling?
Yes, you can purchase travel insurance after your trip has begun. However, certain restrictions may apply, and some benefits might be limited if the policy is bought post-departure. Check out your policy wording and contact customer service if you have any questions.
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How do I make a claim?
If your trip is interrupted for a covered reason, contact us as soon as possible. To file a claim, you’ll be required to provide documentation such as:
- Proof of the event: Medical records, police reports, or official statements verifying the reason for the interruption.
- Receipts: Evidence of prepaid, non-refundable expenses like hotel bookings, tours, or airline tickets.
- Additional expenses: Documentation of any unexpected costs, such as last-minute flights or accommodation.
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If my trip is interrupted and I have to go home to Brazil, what is covered?
Trip interruption coverage usually includes unused, non-refundable bookings and additional expenses for your return journey. This might include rebooking flights and accommodations.
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Is trip interruption insurance worth it for domestic travel in Brazil?
While more commonly used for international trips, trip interruption insurance can also be beneficial for domestic travel, especially if the trip involves significant prepaid expenses or travel to remote regions.
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What happens if my visa application is denied after I’ve booked my trip?
Some policies may cover cancellations or interruptions caused by denied visas, provided the application was submitted on time and in accordance with the destination’s requirements. Check your policy for specific terms.
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Does trip interruption insurance cover work-related cancellations?
Work-related cancellations are generally not covered unless specified by the policy or if you’ve purchased additional coverage. Always confirm the terms before purchasing.
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What if the airline cancels my flight?
If an airline cancellation disrupts your trip, trip interruption insurance may cover associated costs like alternative travel arrangements, provided the reason for cancellation aligns with covered events in 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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Vietnam is a land of breathtaking landscapes, vibrant culture, and mouthwatering cuisine. Whether you're wandering through Hanoi's bustling streets, cruising Halong Bay, or exploring the lush Mekong Delta, Vietnam offers something for every traveller. But as with any international trip, having the right travel insurance should be top of mind throughout your journey.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- Why consider travel insurance for Vietnam?
- What’s not covered
- Safety and travel tips for Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Medical emergencies: Healthcare costs can add up quickly in a foreign country. If you fall ill or get injured, travel insurance covers medical expenses, including evacuation if necessary.
- Trip cancellations or delays: Unforeseen events like flight cancellations or delays can disrupt your plans. World Nomads can help you recoup non-refundable expenses.
- Adventure activities: Planning to go motorbiking through Vietnam or exploring its caves? World Nomads offers coverage for a variety of adventure activities.
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need. If you’re not sure about something, you can contact our customer service team.
Why consider travel insurance for Vietnam?
Travel insurance provides coverage for unexpected events that can disrupt your trip. From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go quite right on your Vietnam trip.
Imagine hiking the Fansipan mountain and you trip and injure yourself, requiring a local hospital transfer or even medical evacuation. Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. We may help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- 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.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Safety and travel tips for Vietnam
- Beware of traffic chaos: Traffic in cities like Hanoi can be overwhelming. Stay vigilant when crossing streets.
- Drink responsibly: Vietnam’s nightlife is exciting, but always keep an eye on your drinks to avoid spiking.
- Stay hydrated: Vietnam’s tropical climate can be draining. Carry bottled water to avoid dehydration.
- Secure your belongings: Petty theft can happen in tourist areas. Use anti-theft bags and avoid displaying valuables.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online. You can even purchase coverage after you’ve already left New Zealand for your trip.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
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.
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 buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Do I need a visa to go to Vietnam from New Zealand?
Yes, New Zealand passport holders need a visa to enter Vietnam. You can apply online for an e-visa or through the Vietnamese Embassy.
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Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your Policy Document details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
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Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
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Does travel insurance cover pre-existing medical conditions?
New Zealand travellers may be covered for up to 40 existing medical conditions. To find out whether or not you are covered or a specific existing medical condition check out our FAQ which has all of the information you need. Be sure to disclose your health history when purchasing a 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 teamTravel Insurance for Vietnam
From vibrant cities to hushed hillside tribes and cultural connections and zesty eats to untamed natural wonders, Vietnam is a land of splendour.
- As featured in:
As featured in:
Whether you’re cruising Ha Long Bay, trekking in Sapa’s terraced hills, or wandering the lantern-lit streets of Hoi An, Vietnam is a blend of vibrant cities, lush landscapes, and rich traditions. If you’re visiting the Land of the Blue Dragon, consider packing travel insurance to help keep your trip on track.
Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.
- What’s covered
- How can travel insurance help when travelling to Vietnam?
- What’s not covered
- Handy tips when travelling to Vietnam
- FAQs
What’s covered
Our policies can offer cover, up to policy limits, for a range of benefits including:
- Overseas medical emergencies and hospital expenses
- Baggage and personal belongings
- Travel delays and trip interruption
- More than 150 activities and experiences
- Trip cancellation
- Extended stays
- Family coverage plans
- Coronavirus-related events
- And many more optional benefits…
World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important to choose the plan that best suits your travel plans and the level of cover you need.
How can travel insurance help when travelling to Vietnam?
Vietnam is an adventurer’s paradise, but even the best-planned trips can encounter unexpected hiccups. Imagine hiking the Fansipan mountain when you trip and injure yourself, requiring a local hospital transfer or even medical evacuation.
Or picture landing in Hanoi, only to discover your luggage didn’t make the journey. Travel insurance can help cover the cost of replacing your essentials so you don’t miss out on exploring the bustling Old Quarter.
From trip cancellations due to unexpected events, to assistance if your passport is stolen in Hoi An, World Nomads travel insurance can help if things don’t go right on your Vietnam trip.
Get a quote 24/7
With World Nomads you can get an instant quote anytime, anywhere, before you leave Australia or while you’re on the road.
What’s not covered
Travel insurance isn’t designed to cover everything. There are some things that we simply do not cover. These include:
- Participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
- Not following your treating doctor’s directions and/or those of our Emergency Assistance Team.
- Existing medical conditions.
- Stolen, lost or damaged personal belongings that were left unguarded.
- Incidents resulting from reckless behaviour.
- Being intoxicated by alcohol or drugs or acting illegally.
- 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.
Always check the terms and conditions of your policy. If you’re not sure about something or have any questions, contact us.
Handy tips when travelling in Vietnam
- Stay safe on scooters
Our policies offer cover for cover riding on scooters and motorbikes as long as you always wear a helmet, you have a valid license for the same type of vehicle in Australia and as required in Vietnam, and you follow local laws. If you’re a passenger, make sure the driver has a valid license and you’re both wearing helmets. Check out our detailed guide on motorbiking in Vietnam.
- Best time to visit Vietnam
Vietnam is a wonderful destination to visit year-round. July and August are the best time for beach trips, December to March brings cooler temperatures perfect for bustling city visits, and the low season allows a more timid look at this vibrant country.
- How to avoid gastro
It’s advisable to avoid drinking tap water while in Vietnam. Water can be contaminated and can result in gastrointestinal upset and other more serious disease such as hepatitis A and typhoid. It’s best to avoid raw fruits and vegetables with the skin on, as well as ice cubes in your drinks.
- Be aware of petty crime
While Vietnam is generally a safe place to travel, low level crime does exist.
As with many other destinations petty crime remains an issue in Vietnam. Stay alert and keep your belongings close.
- We’re here to help 24/7
If you experience an emergency and need help while travelling in Vietnam, our multi-lingual team is here to help 24/7. We can direct you to the nearest hospital, organise medical transport and even consult with your family back home.
Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the PDS for the full details on what’s not covered as well as the terms, conditions, limitation and exclusions. If you are unsure of anything, please contact us for help.
Are you looking for more travel inspiration for Vietnam?
World Nomads has various articles that cover a range of fun topics on Vietnam, such as:
- Motorbike Riding in Vietnam: How To Stay Safe When You Ride
- Dos & Don’ts in Vietnam: 6 Tips for Travelers
- Local Laws and Customs in Vietnam: Know Before You Go
- Is Halong Bay in Vietnam Worth Visiting? A Guide to Bay Cruises
FAQ
Here are our most frequently asked questions about buying travel insurance for Vietnam. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does my travel insurance cover my medical costs upfront?
It depends. If you’re in an emergency situation that requires medical evacuation, we may cover these costs upfront provided the incident is covered by your policy. Contact us for more information.
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Do I need a visa to travel to Vietnam from Australia?
Yes, you need a visa to travel to Vietnam from Australia. You can apply for a visa online for tourism or business purposes. You can also request a visa at the airport on the day of travel, but this is more expensive. Your passport must be valid for at least six months after your planned stay and have at least one blank visa page. Check with your travel adviser prior to departure.
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Does travel insurance cover motorbike accidents in Vietnam?
Yes, but only if you hold a valid motorcycle license and wear a helmet while riding. Check your PDS details for specifics. To find out more about coverage related to motorbike, scooter and moped riding while overseas read our FAQ to get all the answers you need.
-
Is travel insurance mandatory for Vietnam?
While not mandatory, you should consider TID travel insurance for possible protection against medical emergencies, cancellations, lost or stolen valuables, and unexpected natural disasters.
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 when sailing
Don’t let an accident take the wind out of your sails.
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For UK adventurers drawn to the sea's call, the promise of slicing through the waves along the storied coasts of the French Riviera or exploring distant archipelagos is an alluring one. Before you embark, consider anchoring your trip with travel insurance. Packing World Nomads travel insurance could ensure you're prepared; whether you’re dealing with a sprained wrist from handling the sails or facing unexpected stormy weather.
- Should I consider travel insurance when undertaking sailing?
- What’s covered for sailing?
- World Nomads water sports coverage
- What’s not covered for sailing?
- Frequently asked questions
Should I consider travel insurance when undertaking sailing?
Let's set sail with realism: while we're not predicting rough waters, the unpredictable nature of sailing brings inherent risks. Imagine dealing with a sudden storm or a navigational mishap in unfamiliar waters – the challenges are magnified far from home. Coupling these potential scenarios with the complexities of international maritime response, costs can skyrocket quickly. Whether it’s a minor accident or a major emergency, having travel insurance helps you prepare for whatever the sea might throw your way.
Traveller tip #1: Verify that your UK boating and, if applicable, driving licences are valid in the destinations you plan to visit. Some countries may require international permits or specific local licenses.
What’s covered for sailing?
From medical emergencies to lost gear overboard, ensure your sailing journey is memorable for all the right reasons. Let's make your nautical dreams a safe reality—hoist the sails, but anchor your risks first!
Under our Standard and Explorer plans, Level 1 coverage automatically includes sailing in inland or coastal waters and non-manual work related to your sailing adventures. Just make sure you’re guided by a certified professional or possess the necessary UK qualifications to manage the sailboat yourself.
If your nautical aspirations push you beyond coastal waters, consider upgrading to Level 2 coverage. There’s still rules though – you need to stay within 60 miles of a safe haven, and personal liability under Section 11 of the policy wording is not covered.
Here are a few more eventualities typically covered in World Nomads plans for inland sailing and coastal waters:
Emergency medical assistance
Even without wet decks and choppy seas, you could find yourself with a medical emergency, be it an ankle sprain or a collarbone fracture. Our coverage may help cover everything from the services of a physician to ambulance services and x-rays in the case of an accident or injury at sea or on shore. World Nomads policy holders also have access to 24/7 Emergency Medical Assistance Team. The Standard Plan offers cover of up to £5,000,000 for emergency medical expenses and medical repatriation, and £10,000,000 on the Explorer Plan. Additional accommodation and travelling expenses are also included under both the Standard and Explorer plan.
Evacuation
Most of our earth is covered in water... which means you have plenty of places to sail but could easily hit a snag in a far-flung destination. Subject to approval of or 24/7 Emergency Medical Assistance Team, your World Nomads policy may transport you by air ambulance to get treatment at an appropriate medical facility if deemed medically necessary.
Baggage & Gear protection
Maybe your backpack slipped off the sopping wet stern, or your windbreaker got stolen right off the port. Our gear coverage can help replace your stuff, up to its actual cash value at the time of the loss. World Nomads provides baggage protection for lost or stolen items of up to £3,000 with the Explorer Plan and £1,500 with the Standard Plan. For high-value gear, consider upgrading for coverage up to £750 per item on the Explorer Plan and £400 per item on the Standard Plan, with maximum upgrade limits of £2,250 and £1,200 respectively.
Trip Disruption
Say a physician advises you not to travel until your health improves, or a hurricane at your destination renders your chartered course and your pre-sail accommodation totally unusable, you may be able to recoup some of your pre-paid, non-refundable travel expenses... handy when you’re ready to re-book the adventure. The Standard Plan provides up to £3,000 for trip cancelation and £5,000 under the Explorer Plan. These limits also apply if you have to cut your trip short.
Traveller tip #2: Always check weather and maritime forecasts before sailing, and plan your route with safe havens. Inform someone onshore of your itinerary. No matter your experience, review local navigation rules, tides, and hazards. Consider a refresher course if needed.
World Nomads water sports coverage
Besides sailing, World Nomads can offer cover for other water-based activities on island and coastal waters, such as:
- Yachting
- Parasailing
- Sailboarding
- Cruising
- Catamaran sailing
- Hydro foiling
- Hydrospeeding
- Water skiing
- Barefoot water skiing
- Kiteboarding (on land or water)
- Kayaking
- Sea Kayaking
- Wakeboarding
- Wake skating
- Scuba diving
For UK travellers, World Nomads extends its safety net far beyond the deck, offering coverage for over 150+ sports and activities. Whether you’re rockclimbing or rollerblading, check our comprehensive list of activities to ensure your adventure is covered.
What’s not covered?
Not every day is smooth sailing, but if you check the weather forecast, you can avoid some choppy waters. The same is true for travel insurance: if you know what’s excluded beforehand, you’ll be better equipped to navigate any unexpected losses. And sorry, we may not be able to cover you for:
- Sailing beyond the allowed distance from a safe haven or shore (60 miles for Brits)
- Racing and/or professional sailing
- Boat rental damage or loss
- Search-and-rescue missions
- Extreme sport sailing
- Losses that come from knowingly exposing yourself to needless risk
- Fraudulent and criminal acts
- Any claims resulting in the violation of local laws
- Any losses related to non-compliance with a license, contract or permit
- Sports equipment such as scuba, snorkel and scuba gear if it’s damaged while in-use
In addition to life jackets, floatation devices and other safety gear, be sure to BYO sunscreen. For more travel info, read our Explore, Travel Safety, and Responsible Travel articles.
Traveller tip #3: Familiarize yourself with the details of your travel insurance policy to understand what activities are covered and any applicable conditions or exclusions.
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 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?
- Work emergency?
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
- 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)
FAQ
Here are our most frequently asked questions about buying travel insurance for sailing. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Should I consider insurance to sail while overseas?
Without the right cover, you could be setting sail for disaster. Consider choosing travel insurance that covers you for all the water-based adventures you plan to enjoy overseas, even sailing. Securing travel insurance specifically for sailing means you and your vessel will be protected for a wide variety of unforeseen disasters. Check your policy wording for details on what’s covered.
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Which destinations am I covered for when sailing?
Depending on your Country of Residence and the policy you choose, your boating in your desired destination could be just a gust of wind away. Get a quote today to see if your preferred destination is covered for sailing trips.
Travel Insurance when horse riding
Make your horse riding adventure a memorable one for all the right reasons
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Ready to rein in some adventure? Whether you're planning to trot through the rolling vineyards of France or gallop along the sunlit shores of Spain, World Nomads has your back. Our travel insurance caters to UK globetrotters eager to immerse themselves in leisurely rides.
- Why should I consider travel insurance for horse riding?
- What's covered
- Coverage for more than 150 activities, sports, and experiences
- What's not covered?
- Frequently asked questions
Why should I consider travel insurance for horse riding?
Dreaming of galloping across the sandy beaches of Portugal or exploring the rugged trails of South America on horseback? Remember, while horse riding can put the epic into your travel experience, it also brings risks—risks that our travel insurance is designed to address.
From unexpected falls to equipment loss, we’re here to ensure your ride remains memorable for the right reasons. World Nomads provides tailored coverage for leisurely horse-riding activities.
Note: Before you saddle up, review our plans to select the right coverage level for your itinerary and ensure your chosen activities are included. Stay protected and focused on the joy of riding, not the potential pitfalls.
Horse riding can be a rewarding and exciting experience. If it’s your first time horse riding, you might want to keep the following handy tips in mind:
- Have the right gear: Before saddling up, thoroughly inspect your horse-riding gear. Ensure your helmet fits snugly and your footwear is appropriate for riding to avoid any mishaps.
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your riding instructor (if it’s a group ride) – if they’re not good then reconsider if it’s a smart move to go.
- Keep an eye on your gear: don’t leave your expensive horse-riding gear or any other baggage unattended – those 'I spaced out” moments might not qualify for coverage.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases.
- Saddle up properly: make sure you and your children’s saddles are fitted properly. If the saddle is the wrong size, you or your child could be more likely to slip out of it and fall and it could end up being a costly mistake.
- Ask for the right horse: If it’s your first time, ask for a horse that matches your skill level—typically a calm, experienced horse.
Check your policy wording carefully as terms and conditions and special exclusions may apply for horse riding activities.
What's covered
At World Nomads, we've got two travel insurance plans to suit your style. Go for the Standard Plan for the essentials, or level up with the Explorer Plan if you’re after broader coverage and higher limits.
- Trip cancellation or disruption: Things happen – and sometimes out best laid plans mice (and men) go awry. The Explorer Plan covers cancellations up to £5,000, while the Standard Plan covers up to £3,000. These figures also apply if you are forced to cut your trip short. Please note events must be unexpected and unforeseen.
- Baggage delays and personal belongings: if you arrive at your destination but your baggage doesn’t, our policies cover baggage delays that of 24 hours or more.
- Emergency medical: horse-riding and fresh air can be great for the body and soul, but not if it you’re on the wrong end of a feisty hoof and require medical assistance. Emergency medical coverage could come in handy in the case of an accident or injury that results in you going to hospital.
- Evacuation cover: your horse-riding adventure may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us. If your injuries are worse than first thought, you could be repatriated back to the UK if it's medically necessary.
- Natural catastrophe: If you find yourself amid a natural disaster or your destination is affected by extreme weather, we can offer coverage if you can’t use your booked accommodation or need to move to a safer location.
Keep in mind that benefit limits, terms and conditions, and exclusions apply, so be sure to read your policy wording carefully. If you have any questions about your cover, contact us.
Traveller tip: always carry water, especially on longer rides. Staying hydrated is crucial to maintain your concentration and overall health during the journey.
Coverage for more than 150+ activities, sports, and experiences
At World Nomads, we know that adventurous activities go hand-in-hand with travelling abroad. That’s why World Nomads offers cover for 150+ adventure activities, sports, and experiences, everything from hot-air ballooning, rafting, hiking, and of course – horse riding.
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 activity plans.
If your favourite sport is not on the list get in touch with our Customer Assistance Team and they will let you know if we cover it. Be aware that an upgrade for certain activities and sports may be required.
Traveller tip: if things go wrong during your horse-riding trip and you intend to make a claim, please be aware that, in most cases, a claim will require that you prove you acted responsibly, used the recommended safety clothing and equipment, and were guided by a professional, qualified, and licensed guide, instructor, or operator.
What's not covered
While there are several things, we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Pre-existing medical conditions.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
- Expenses you incur after you return to the United Kingdom.
- Losses arising from unattended baggage or personal items.
This is not a full list of what’s covered and what’s not; please check your policy 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 teamFAQ
Here are our most frequently asked questions about buying travel insurance for horse riding. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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What does the World Nomads travel insurance cover for horse riding?
Our policies can offer cover for leisure horse riding. You can get a quote here.
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Can I get coverage for competitive horse-riding events with World Nomads?
Unfortunately, our policies exclude activities like dressage and show jumping. Please review the policy details or contact our customer service for more information.
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What should I do if I injure myself horse riding?
If you get injured while horse riding, immediately call our 24/7 Emergency Medical Assistance Team for help. Make sure you were using all the recommended safety equipment and following safety guidelines, as this will be important for any potential claims.