• Safety comes first
• Seek medical attentiont
• Get it in writing
• Hold on to your receipts
• Need to know more?
• How does my travel insurance policy help me in an emergency?

1. Safety comes first

If you are seriously hurt during your overseas holiday, then make sure you attend a local medical centre or hospital immediately to receive medical attention.

2. Seek medical attention

If you’re experiencing an emergency our 24/7 Emergency Assistance Team can advise you of the nearest medical facility if you are unsure where to go, or if you need help navigating a foreign language.

Once you’re able to contact our 24/7 Emergency Assistance Team, please be ready with the following:

• Your policy number
• A contact number for where you are now
• The nature of your problem
• Your location.

Once you’ve been admitted to hospital or reviewed by a doctor in a medical centre, you’ll need to contact our 24/7 Emergency Assistance Team to update them on your situation. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above AUD$2,000, then our Emergency Assistance Team will liaise with the hospital on your behalf to arrange payments.

For injuries where treatment costs are not expected to exceed AUD$2000, you pay all your medical fees, and then submit all your receipts to our claims department for reimbursement.

3. Get it in writing

If you’re injured and wish to claim for your medical expenses, always remember to collect as much supporting documents as possible. Some examples of documentation that you may need to provide include:

• Treating doctor’s report stating how the injury occurred and the diagnosis.
• Hospital admission report.
• Report from the emergency medical transport service (if taken to hospital by ambulance or helicopter).
• Medical imaging reports from any scans or tests that were conducted.
• If the police attended the scene of your accident, ask them for a police report.
• Medical centre or hospital invoices showing a list of the individual costs associated with your care and treatment.

4. Hold on to your receipts

Make sure you retain all your receipts if you intend on claiming for medical expenses. This includes receipts for any pharmaceutical products that you purchased in relation to your injury. If you cannot provide receipts to substantiate your treatment expenses, then your claim may be dismissed, or any payments that you do receive might not be for the full amounts.

It’s always a good idea to keep all documentation relating to your holiday in general, not just for your accident. As well as medical receipts, make sure you keep your itinerary, correspondence from airlines or hotels regarding cancellations, as well as all hospital, police and doctor’s reports.

5. Need to know more?

Always read your PDS carefully so that you will be clear about the limits, exclusions and benefits of your plan. Our Standard and Explorer plans both have different levels of cover. It’s your responsibility to know the details of your policy, including what is and what isn’t covered, in case you need to make a claim. Your PDS will always have the full details.

If you have questions about what's covered and not covered, just ask us.

How does my travel insurance policy help me in an emergency?

• Seek medical attention
• Get any reports in writing
• Retain all your receipts
• Cover for some Coronavirus-related events during your holiday
• Need to know more?
• How does my travel insurance policy help me in an emergency?

1. Seek medical attention

If you suddenly feel unwell at any time during your overseas trip, go to the nearest medical centre or hospital. An emergency transport service provider can carry you to the nearest hospital if you’re in too much pain to walk or take public transport.

In case you don’t know the whereabouts of your nearest hospital or doctor’s surgery, you can call our 24/7 Emergency Assistance Team who will direct you where to go. You’ll need to tell them your policy number, what seems to be wrong with you and your current location.

After being examined by a hospital or medical centre doctor, call our 24/7 Emergency Assistance Team again to update them on your situation. If you’re admitted to hospital, our Emergency Assistance Team will correspond with the Admissions Department regarding payments and care arrangements.

2. Get any reports in writing

You will need to provide copies of all reports in relation to your illness. Cover is only provided for illnesses that happen during your trip and not for any existing medical conditions. We may request a report on your medical history from your General Practitioner in Australia if we require further information. Types of reports you’ll need to obtain include:

• Emergency medical transport report (if taken to hospital by ambulance or helicopter).
• Treating doctor’s report stating the date you fell ill, the diagnosis and prognosis, as well as the causation of your illness.
• Hospital admission report stating the dates you were admitted and discharged from hospital.
• Other medical reports such as lab reports, specialist’s reports and public health emails confirming a Coronavirus (COVID-19) diagnosis.
• Any correspondence from airline, hotel or railway firms confirming cancellations of any accommodation or journeys that you had paid for.

3. Retain all your receipts

If you wish to claim for any expenses you incurred because of falling ill on your overseas holiday, then you’ll need to be able to provide your receipts. While it’s always necessary to keep receipts for your medical expenses, make sure that you keep any other receipts from your holiday as well. Receipts for hotel stays, flights and even dining receipts (if you experienced food poisoning) may be required to substantiate your claim. Examples of receipts that you should keep include:

• All hospital and doctor’s receipts
• Receipts for pharmaceutical products that you may have purchased
• Pathology receipts
• Hotel, airline, railway, bus company and/or restaurant receipts

4. Cover for some Coronavirus-related events during your holiday

If you or one of your travelling partners contracts COVID-19 at any time during your holiday, and you need to cancel your travel plans, then you may be able to claim for any non-refundable expenses that you had incurred. Your Explorer Plan cover must already be in effect (having already passed your 72-hour waiting period), at the time that you or one of your companions caught COVID-19.

To support your claim, you’ll need to obtain a treating doctor’s report or medical certificate stating the Coronavirus diagnosis. Other documents that you’ll need to provide include pathology reports or official health statements indicating a positive COVID-19 result for you or anyone in your travelling party. Any claims for non-refundable expenses will need to be supported by copies of your receipts.

Please note: Coronavirus cover varies between plans.

To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.

5. Need to know more?

This information may help if things go wrong and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your PDS will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

How does my travel insurance policy help me in an emergency?

• Rearrange or cancel your bookings straight away
• Provide all written documents
• Don’t forget your receipts
• Cover for some COVID-19-related events
• Need to know more?
• What does my travel insurance cover?

1. Rearrange or cancel your bookings straight away

If you’re injured or get ill during your overseas holiday, ask your treating doctor to give you a report or medical certificate stating your diagnosis and period that you will be unfit for travel. Then contact the airlines and hotels with whom you have bookings as soon as reasonably possible. Try to make alternative arrangements for when you’ll be fit to resume your holiday.

If your doctor believes there is no option but to cancel your holiday and return home, then you may be covered for any of your previously paid, non-refundable expenses. However, if you are only unfit for a brief period, then your expenses may only be covered for the time stated on your medical certificate, not for the remainder of your holiday.

Don’t leave it to the last minute to cancel or rearrange your hotel or airline bookings as this may lead to additional costs. If you delay notifying these organisations, then your claim for expenses may not be approved.

Any cover offered for accommodation and flights will only be made up to the maximum benefit limits stated in your PDS. That’s why it’s important to read through your policy so that you know the applicable terms, limits, exclusions, and benefits.

2. Provide all written documents

To submit a claim for expenses, you’ll need to submit all the medical reports related to your illness or injury, as well as general correspondence regarding your cancellations. Examples of reports you’ll need to provide include:

• The treating doctor’s report or medical certificate must state the diagnosis, date of injury or when you first noticed the symptoms of your illness, and period that you’ll be unfit to travel.
• The specialist’s report and other medical reports including any medical imaging and pathology reports.
• A hospital admission report confirming the dates that you were admitted and discharged.
• Emergency medical transport reports if you were taken to hospital by an ambulance or helicopter.
• Police report (if the police were called to the scene of your accident).
• Emails or letters from hotels or airlines regarding your cancellations.
• Your itinerary.

3. Don’t forget your receipts

If you cannot provide receipts for your accommodation, flights, and treatment expenses, then your claim may be dismissed, or any payment that you do receive might only be for a minimal amount. Types of receipts that you’ll need to provide include the following:

• Receipts for doctor’s consultations, hospital stays, medical imaging tests, and consultations with any allied health providers.
• Pharmaceutical products.
• Accommodation, flights, train or bus journeys.

4. Cover for some COVID-19-related events

If you or one of your travelling companions’ contracts Coronavirus (COVID-19) during your overseas holiday, and have to cancel the rest of your trip, then your pre-paid, non-refundable travel expenses may be covered if you have selected the Explorer Plan.

You’ll need to ask your treating doctor for a report stating the diagnosis of COVID-19, as well as a pathology report or public health statement indicating a positive COVID-19 result.

If you are diagnosed with COVID-19 within the 72-hour waiting period after being issued with your Certificate of Insurance, then your non-refundable travel expenses may not be covered.

To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.

Please note: COVID-19 cover varies between plans.

5. Need to know more?

This information may help if things go wrong and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your PDS will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

What does my travel insurance cover?

Steeped in cultural icons, surrounded by some of the world’s best mountains and coastlines, and with more delicious cheese and wine than you could ever want, it’s understandable why France is high on many traveler’s itineraries.

• What’s covered
• Should I consider travel insurance for a trip to France?
• What to look out for when traveling around France
• What’s not covered
• Tips for traveling in France

What’s Covered

Here are some of the highlights of our coverage, depending on your Country of Residence and the plan you’ve selected:

• Emergency overseas medical: if you become sick or injured during your trip your policy may cover you for overseas medical expenses, up to the policy limits and when agreed by us.
• Travel delays/interruption: if your trip is interrupted due to an insured event. Depending on your country of residence and which plan you’ve selected you may be covered for your non-refundable, pre-paid transport and accommodation expenses.
• Baggage and valuables: if your belongings are stolen, accidentally damaged, delayed or lost. Terms and conditions apply. You’ll need official reports, supporting documentation and copies of your receipts if you need to make a claim.
• Adventure activities and sports: we cover more than 150 activities, sports and experiences across land, water and sky. Check before you buy that your adventure is covered and find out what policy upgrade options may be available.
• Cover for some Coronavirus-related events: to find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, terms and conditions, and exclusions.

Please note that all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.

Should I consider travel insurance for a trip to France?

France is Europe’s 3^rd largest country, which means there is a lot to see and do. In most cases, traveling goes without a hitch, but considering the right travel insurance for you can take the added stress out of travel if things don’t go to plan.

Families

Traveling as a family can be an incredibly rewarding experience, and France is the perfect destination with plenty of family-friendly locations and activities on offer. Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance. Cover includes two adults and up to eight dependents on one policy.

Multi-Destination Trips

If you’re making your way around Europe and visiting France on your travels, travel insurance can cover medical emergencies and evacuation, stolen items, and more than 150 adventures, sports and activities including volunteering and working.

If you’re traveling to multiple European countries, World Nomads can help with:

• Translation and interpreting services in case of an emergency
• Physician referrals
• Pre-trip information

Summer Adventures

You can enjoy your summer travels around France knowing our policies may cover you for a range of activities including hiking trips around the mountains of Chamonix, road trips in Provence, kayaking & rafting and even sailing the Cote D’Azur.

We offer two plans depending on your country of residence – Standard and Explorer. Each policy provides different levels of coverage depending on what you need:

• The Standard Plan covers a range of benefits and has lower coverage limits.
• The Explorer plan covers all the benefits of the Standard plan, with larger coverage limits, more benefits.

Simply specify all the activities you have planned for your trip when you get your quote, as you can’t add them afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.

Winter Travel

From taking the family ice-skating on the rink at Champs-Elysees, to hunting for black truffles in the snow-dusted forests of Perigord, or sipping hot chocolate in between snowboard sessions in the French Alps, our travel insurance can cover you for more than 150 adventures, snow and winter sports activities, medical emergencies and even extended stays if you are enjoying your winter escape to France too much.

What to look out for when traveling around France

• Keep an eye on your gear 24/7: It’s very important that you NEVER leave your valuables out of sight. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.
• Baggage theft or loss: if you’re on a road trip and your rental car gets broken into, or your airline loses your bags, you may be able to claim to replace the item or claim for essential clothing and toiletries while you wait for your bag to be returned.
• Rental car coverage and road safety – France is the perfect place for a road trip, with so many different regions to explore. Available on our Explorer plan, we may cover your rental vehicle insurance excess, or the cost of repairing the rental vehicle if you’re involved in a motor accident or your rental vehicle is damaged or stolen.
• Pickpockets: Whilst France is amongst the safest countries to travel to there is always the chance that you might end up being pickpocketed in a tourist hotspot. If your items are stolen travel insurance could help replace them.

What’s not covered

Our policies aren’t designed to cover everything and there are some important general exclusions you should be aware of, including:

• Pre-existing medical conditions – see the Policy Wording for details.
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by the U.S. Department of State (see travel.state.gov).
• Unattended baggage or personal items, including any items left in a locked car overnight.
• If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance Team advise you to do.
• Participation in a sport or activity where you fail to adhere to the terms of coverage for listed sports or activities.
• Being intoxicated by alcohol or drugs.

Note: be sure to read the Policy Wording, terms, conditions and General Exclusions for other scenarios and expenses we don’t cover so there’ll be no surprises if you need to use your cover.

Tips for traveling in France

• Always check the Visa requirements – depending on your Country of Residence you may require a Visa to visit France or any of the other Schengen countries.
• Pack light – especialy if you’ll be traveling around France using public transport.
• Book attraction tickets in advance – if you know your plans then consider booking ahead for popular tourist sites such as the Eiffel Tower, Palace of Versailles and the Louvre as tickets can sell out and some attractions require pre-booking.

This is not a full list of what's covered and what's not; please check your Policy Wording for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. If you are unsure of your level of travel cover, please contact us for help.

FAQ

Here are our most frequently asked questions about Coronavirus. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

• Does my insurance cover medical costs upfront or do I have to pay and claim later?
  Our international policies can offer cover for emergency overseas medical expenses and medical evacuation and repatriation following a serious injury or sudden illness; this includes coronavirus, subject to all policy terms, conditions, limits, and exclusions. However, if the plan you already purchased doesn’t include the benefit section ‘Coronavirus Travel Costs’ (which offers some cover for eight specific coronavirus-related events), contact us for assistance. We are not able to change the plan issued after purchase, but, provided you have not used your original policy, and do not need to make any claim, we may be able to assist with issuing a replacement policy and providing you with a refund of your original premium. It is important to remember that this would be a new policy, subject to the policy terms conditions and pricing in effect at the date it is issued and would not offer cover for any event that has already occurred.

• What do I do if my test hasn’t come back in time, and I need to cancel my trip?
  If you need to cancel or rearrange your travel arrangements, even at the last minute, don’t delay in speaking with your airline or other travel providers to minimise any potential cancellation costs or fees.  If you booked through a travel agent, they may be able to assist you with this, too.  If you do need to make a claim, the cover available will depend on your individual circumstances, as well as the plan you have purchased. For us to assess if cover can apply, you’ll need to submit a claim along with all supporting documentation. Remember, if you are required to take a test prior to travel, it is important to allow sufficient time for results to come back.

• Why don't you cover ongoing treatment at home?
  Cover may be available if you are unfit to travel due to contracting COVID-19, depending on the plan you have purchased, and the facts of your claim - check the policy you have purchased and if it has Coronavirus Travel Costs cover. We assess all claims on a case-by-case basis. Speak with your travel providers, you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too.  Please note, if you’re already travelling and need to make changes to a flight change or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider.  If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too.

• Do I need medical proof of my positive COVID-19 result if I need to cancel my trip?
  Yes. You will need to provide documentation to support the circumstances of your claim. We understand that the type of documentation you can provide may vary and assess every claim on a case-by-case basis. You should submit as much information as you’re able to along with your claim, this will help us to assess your claim in a timely manner and reduce the possibility that we may need to ask you for further information. Information you supply may include: - PCR Test demonstrating that at the time you were due to travel, you had an active case of COVID-19; - Proof you were subject to mandatory isolation at the time you were due to travel due to a registered RAT (Rapid Antigen Test) result; - Letter from medical practitioner confirming you are medically unfit to travel due to COVID; and - Don’t forget to contact your travel service providers as well, as you’ll also need to demonstrate that you have requested to refund or reschedule your arrangements, and what your out of pocket costs are. Remember, not all of our plans cover pre-trip cancellation for COVID-19. 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.