Photo © Poike/IStock

Travel insurance for Italy

Explore la dolce vita

    As featured in:

  • As featured in:

Ahh inspirational Italy – from the sparkling blue Mediterranean sea and the Amalfi coast, to the famous lakes of Maggiere and Garda, the stunning Dolomites, and thriving old-Italy with history and culture at every turn.

It’s no surprise Italy is a popular destination for many with so much to see and do, but it doesn’t come without the occasional unexpected twist and turn which can trip-up many a seasoned traveller.

Do I need travel insurance when travelling to Italy?

No matter how well planned your trip, unexpected events can crop up. Having travel insurance can mean the difference between a costly, trip-ending disaster, or a blip on the radar that becomes part of a great travel anecdote told to friends and family when you return.

Depending on the type of Italian holiday you’re planning, World Nomads offers a choice between the Standard Plan and the Explorer Plan, each offering different benefits and limits. All our plans for Irish residents offer cover for:

  • Overseas emergency medical.
  • Cancellation or curtailment.
  • Baggage and personal belongings.

And for Explorer Plan travellers, the cover section 'Coronavirus Travel Costs' is also available.

Once your trip is booked and you know the types of activities you’ll be doing, your next Italian job will be to book travel insurance.

What do I need to know about travel insurance for trips to Italy?

Cover for baggage and personal effects

Theft is an everyday occurrence in Italy, and travellers are often targeted by thieves who’ve developed some clever tricks to catch even the most vigilant visitor. World Nomads travel insurance offers cover for lost, stolen or damaged luggage – and there are some common events our travellers in Italy experience.

What if my bag is stolen?

Having insurance can help you carry on with your trip in the event of a theft - making sure thieves don't steal your whole holiday. If, while wandering through Monti’s art galleries and wine bars, your bags or personal items are stolen, there is cover available for the value of the items taken (and depreciation may apply if you didn't specify the item). Following a theft, you may also incur the additional cost of obtaining a replacement passport or visa, plus related expenses for accommodation, travel and fees that you would otherwise not have had to pay for if your passport or visa had not been stolen. You’ll need a report from local police and your carrier or other local authority to support your claim, and benefit limits apply.

Is stolen cash covered?

For Explorer Plan travellers, there is cover available for stolen cash and benefit limits apply. There is no cover for stolen cash on the Standard Plan. You’ll need to support your claim with a police report of the theft, along with ATM receipts of the cash withdrawals and other details, so make sure you read your policy carefully to understand how this section of your cover works.

Can travel insurance help if I hire a rental car and it’s stolen, or I’m in an accident?

With the Explorer Plan, if you hire a car in Italy, and you have an accident which damages your hire car, or it’s stolen, there is cover available for the lesser of:

  • the insurance excess for your rental car; or
  • the cost of repairing the rental car.

If you accidentally lose the car keys, or they’re stolen or damaged, their replacement (including the cost of repairs if a locksmith has to break into the car), may also be covered under the Rental car key replacement cover on the Explorer Plan.

There is no cover available if you’re behaving recklessly, if you violate the rental car agreement or you break the law. There is also no cover for anyone under the age of 21 (at the trip start date) operating the vehicle.

You should note the requirement to have a valid Irish drivers licence, as it may affect any claim you make under this section. Also, you need to purchase the rental vehicle insurance, damage waiver or the equivalent offered by the rental vehicle company or agency at the time of hire.

How does Overseas emergency medical assistance work?

Unplanned medical emergencies can have a lasting impact long after the holiday memories fade. Our overseas emergency medical cover includes:

  • A 24/7 Emergency Assistance Team to help find medical facilities, assistance and get you in touch with authorities or even family back home, if needed;
  • Emergency medical costs for unexpected accident and illness;
  • Evacuation or Repatriation back home to Ireland for treatment if needed.

Am I covered if I get ill with Coronavirus while in Italy?

World Nomads also offers cover for some Coronavirus-related events. If you get sick with Coronavirus while travelling in Italy:

  • Our Standard and Explorer plans include emergency medical and repatriation cover; and
  • Our Explorer Plan offers Coronavirus Travel costs cover. This includes cover for some Coronavirus-related events like cancellation, trip interruption and pet and childcare costs. Benefit limits apply.

What’s not covered

Travel insurance isn’t designed to cover everything and it’s important to understand where your cover won’t apply so you aren’t caught short. For example, while an accident that requires emergency medical treatment generally could be covered, if it was caused because you were intoxicated with alcohol or drugs, then it may affect your claim.

Also, understand that pre-existing medical conditions that require medical care or which may cause you to cancel or curtail your trip won't generally won’t be covered either. Check the wording of your policy to be sure.

If you require any medical treatment during your trip to Italy, you will first need to contact your private medical insurance (PMI) provider, if you have one, and follow its processes. Where your PMI provider cannot help, please contact our 24/7 Emergency Assistance Team before incurring medical costs.

Carrying our 24/7 emergency assistance details could save valuable time in an emergency.

Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations, and exclusions. If you have any questions get in touch.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images

Travel Insurance when visiting South Africa

Travel insurance to get you exploring South Africa’s amazing wildlife, its mesmerizing landscapes and incredible culture.

    As featured in:

  • As featured in:

South Africa has so many calling cards, not only is it home to the Big Five, but it also has a rich history, culture, impressive wine regions and stunning surfing beaches. You always leave richer (culturally) than when you arrived.

What’s covered

With World Nomads you can buy travel insurance before you land in O.R Tambo International Airport or Cape Town International Airport, or while you're already traveling around South Africa.

World Nomads offers cover for many activities ranging from mountain biking to skiing, surfing, kayaking and scuba diving. All our plans offer cover for:

  • Medical evacuation and repatriation
  • Cancellation
  • Baggage
  • Travel delay/interruption

We know how impactful Cape Town, Durban, and the 100-plus national parks here are. So it’s important to be have travel insurance in case something unexpected arises.

As careful as international travelers are, belongings do get stolen, flights get cancelled, and illness or injury can happen. If you forgot to buy travel insurance before you left home, then don’t stress, with World Nomads you can buy travel insurance before you get on the plane or while you're already traveling around beautiful South Africa, it’s up to you.

Depending on your country of residence and the level of cover you have chosen, our policies may cover you for:

  • Coverage for extended stays - If you want to extend your trip, we can help keep you covered. Just sign into your World Nomads membership, select your current policy and follow the links to extend your cover online. Terms and conditions apply.
  • Emergency medical and evacuation - If you become ill or are injured and require emergency treatment or evacuation, your policy may cover you for medical and surgical treatment, hospital fees, and in some cases, specialist counselling. Limits do apply so refer to the policy wording for details.
  • Baggage and personal belongings – If your luggage or personal items are accidentally damaged or stolen, you may be able to claim reimbursement. If your luggage is delayed more than 24 hours, you may be entitled to replacement costs for essential items
  • Activities cover - We cover more than 150 activities worldwide - everything from backpacking to kayaking, hiking, even bungee jumping, but not all are covered under every plan, so read the full list here.
  • Cover for some Coronavirus-related events - To find out what cover may be available to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.

Do I need travel insurance when visiting South Africa?

The answer is Yes. Whether you’re on a game park safari, or you want to discover the beautiful coastal Garden Route, travel insurance can provide a safety net if your dream trip is derailed due to unexpected events especially when it comes to cover for stolen or damaged baggage.

If you’ve done your research, you’ll know that parts of South Africa can be dangerous with car–jackings, armed robberies, and petty theft. Johannesburg is a city where you need to use common-sense as there are several no-go zones for visitors. When on the road please drive with caution as farmers often don’t fence their livestock, so it’s not uncommon for there to be a stray animal on the road to navigate around. If you’re venturing through a game reserve, remember you’re in the ‘wild’, the elephants, rhinos, cheetahs and lions aren’t tame. 

If you find yourself in a crisis, our Emergency Assistance Team is available 24/7. The team can also help during an emergency if you’re having trouble with a language you don’t know.

Two travel insurance plans that may assist with your travel needs

World Nomads recognizes that the level of cover each traveler needs depends on their individual circumstances. That’s precisely why we offer two levels of cover - Standard and Explorer.

Depending on your country of residence and the plan you have purchased you may be covered, for example, if you plan on renting a vehicle and  driving between Johannesburg and Kruger National Park. If you’ve purchased the Explorer option your cover would include a rental car excess and may cover the cost of a replacement key should one be required. The Explorer Plan may also include benefits associated with hijacking, as well as higher baggage reimbursement limits, both of which are important given the rates of crime in the country.

Cover for activities and sports when in South Africa

South Africa offers countless possibilities when it comes to outdoor activities, for example, white water rafting, hiking, bungee jumping, and even shark cage diving.

For the active traveler, World Nomads covers all Level 1 adventure sports, activities and experiences such as hot-air ballooning and camping but if you intend to participate in higher risk activities you must upgrade your cover when you buy your policy by selecting all the activities and sports you’ll be undertaking and pay the additional premium for those activities we cover.

Depending on your country of residence and the level of cover you’ve chosen, you may need to add activities to your policy (check your policy wording carefully as terms and conditions apply).     

What’s not covered?

Some things we don’t cover include:

  • Pre-existing medical conditions as explained in your policy wording.
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ warning.
  • 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.
  • Additional costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip.
  • Loss or damage to luggage due to age, wear and tear, loss of value.
  • Damage to sporting equipment caused while in use.

What other tips for safe travel do you offer?

We have compiled this general information if you’re looking for more South Africa travel inspirationWe also have information on the latest travel safety alerts for South Africa.

About World Nomads

World Nomads policies are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your Policy Wording for a full description of coverage.

Travel insurance tip: always carry your electronics, passport, and valuables with you or lock belongings securely if you can’t take them with you. Don’t leave them in the car or in your luggage. Use common sense, be aware of your surroundings, and take precautions while exploring to help ensure that your South Africa trip will be safe and fun.

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

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?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images/Antonio Busiello

Travel insurance for kayaking and rafting

Everything Kiwis need to know about travel insurance for Kayaking & Rafting

    As featured in:

  • As featured in:

Travel Insurance when Kayaking and Rafting

A silky-smooth Nordic lake at dawn or a white-knuckled ride down a river in Rocky Mountain National Park, action on the water is often the most memorable part of any holiday, especially for water-loving New Zealanders. If the unexpected happens while you’re soaking up the fun, World Nomads has travel insurance plans to help when your kayaking and rafting trip suddenly takes a nosedive.

 

Rafting and Kayaking activities: Is cover available?

Planning your kayaking and rafting activities before you leave home means you can arrange the right level of cover. Both our Standard and Explorer plans offer many of the same benefits including cover for level 1 sport and adventure activities such as kayaking (inland or coastal waters within 3 nautical miles), whitewater kayaking/rafting and river boarding on grades 1-5.

For more adventurous nomads you need to upgrade your cover if you’re planning on kayaking, windsurfing or sailing beyond 3 nautical miles from the coast. 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 Document for details or contact us.

If you are planning on taking your own kayak or other gear with you, please note that there is no cover for watercraft of any type (except surfboards). For other sporting equipment, cover is available where the carrier requires it be checked-in due to its size or weight. If you've purchased the Explorer Plan, we'll also pay to hire replacement equipment because your sporting equipment was:

  • Accidentally damaged by a carrier; or
  • Delayed or lost by a carrier for more than 12 hours (the waiting period).

Note: we won’t cover damage to any sporting equipment while in use, if your sporting equipment is over three years old, or damage or theft of any sporting equipment left unsupervised in a public place.

What’s covered?

Paddling around the hidden coves of Sydney Harbour or rafting on the Ayung River in Bali sound idyllic but if you return to your locked car to find the window smashed and your gear stolen, our Standard and Explorer plans may cover those unforeseen events and injuries to help get your next kayaking/rafting trip back on track.

World Nomads offers cover (up to the policy limits) for:

  • Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim and you’ll need a local police report too.
  • Overseas emergency medical costs if you need to see a doctor urgently and/or need to be medically repatriated back to New Zealand.
  • The non-refundable costs of cancelling your trip if you must return home early due to a sudden injury to you, your close relative or travel buddy.
  • Cover for official ‘Do Not Travel’ advice unexpectedly issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
  • Replacement costs of buying essential clothing and toiletries if your checked-in baggage is delayed for more than 12 hours (keep your receipts).
  • Cover for family plans for 2 adults and up to 8 dependents on the same policy. Plus plans can be extended while still travelling for up to 12 months from your original departure date (terms and conditions apply).
  • Car rental damage insurance excess (Explorer Plan only).

Why consider travel insurance when I’m going kayaking/rafting?

If things don’t go smoothly and you’re left bumped, bruised or even broken, the World Nomads 24/7 Emergency Assistance Team is here to help you.

If you’ve seriously injured yourself and require medical treatment, call the Emergency Assistance team as soon as possible so it can direct you to the nearest medical center or hospital. Or in the worst case, contact Emergency Assistance so it can evacuate you to the most appropriate facility for your care, where possible. We may even bring you back home to New Zealand to recover if required.

World Nomads love hearing about those exotic tales from the world’s best kayaking/rafting spots:

  • Sjoa River (Norway) for both family rafting adventures and serious thrill-seekers.
  • Sri Lanka, everything on offer kayaking through its vast network of tropical waterways.
  • Rio Tuichi (Bolivia) for the intrepid traveller, untouched jungle scenery on multi-day rafting trips on grades 1-5.

What’s not covered?

Sorry – we won’t cover you if you do something careless (like getting your gear stolen on the beach while you take a swim). Some things we don’t cover include:

  • Any existing medical conditions, which are not listed as automatically covered conditions as per the specific requirements in your policy.
  • Undertaking activities above the grade allowed in the Policy Document; hazardous activities; or activities in hazardous locations
  • If you do not use a professional qualified and licenced guide or operator where required.
  • Any search or rescue operations to find or rescue you from a life-threatening situation.
  • If you refuse to be repatriated or evacuated for further treatment on the reasonable recommendation of the Emergency Assistance Team.
  • Damage to sporting equipment while in use.
  • Unattended baggage or personal items.
  • Costs arising from being under the influence of drugs or alcohol
  • The policy excess per event where applicable (check the Summary of Benefits in your Policy Document).

Traveller’s Tip: Before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.

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 


Kayaking & Rafting: travelling smarter and safer

Here at World Nomads, we love to find ways to help you enjoy your travels: from travelling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going kayaking or rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images/Antonio Busiello

Travel insurance when kayaking or rafting

Everything Australians need to know about travel insurance for Kayaking & Rafting

    As featured in:

  • As featured in:

Travel Insurance for Kayaking and Rafting

Aussies love life on the water whether it’s rafting through Hippo Alley on Ethiopia’s Omo River to kayaking around the Greek island of Milos exploring ancient sea caves. Like food for the soul, cast off from the fast hustle and find your own flow on a rafting/kayaking voyage on the world’s most stunning waterways.

Rafting and Kayaking activities: Is cover available?

Planning your kayaking or rafting activities before you leave home means you can plan for the right level of cover. Both our Standard and Explorer plans offer many of the same benefits including cover for level 1 sport and adventure activities such as kayaking (inland or coastal waters within 3 nautical miles),  and whitewater kayaking/rafting and river boarding on grades 1-5.

For more adventurous nomads you need to upgrade your cover if you’re planning on  kayaking, windsurfing or sailing beyond 3 nautical miles from the coast k 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 for details or contact us.

If you are planning on taking your own kayak or other gear with you, please note that there is no cover for watercraft of any type (except surfboards). For other sporting equipment, cover is available where the carrier requires it be checked-in due to its size or weight. If you've purchased the Explorer Plan, we'll also pay to hire replacement equipment because your sporting equipment was:

  • accidentally damaged by a carrier; or
  • delayed or lost by a carrier for more than 12 hours (the waiting period).

Note: we won’t cover damage to any sporting equipment while in use, if your sporting equipment is more than three years old, or to any damage or theft of any sporting equipment left unsupervised in a public place.

 

What’s covered?

When you finally take off to drift around the Seychelles or raft the canyons of North America, packing travel insurance can help if your trip hits troubled waters.

World Nomads offers cover (up to the policy limits) for:

  • Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim and you’ll need a local police report too.
  • Overseas emergency medical costs if you need to see a doctor urgently and/or need to be medically repatriated back to Australia.
  • The non-refundable costs of cancelling your trip if you must return home early due to a sudden injury to you, your close relative or travel buddy.
  • Cover for official ‘Do Not Travel’ advice unexpectedly issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
  • Replacement costs of buying essential clothing and toiletries if your checked-in baggage is delayed for more than 12 hours (keep your receipts).
  • Cover for family plans for 2 adults and up to 8 dependents on the same policy. Plus plans can be extended while still travelling for up to 12 months from your original departure date (terms and conditions apply).
  • Car rental damage insurance excess (Explorer Plan only).

Why consider travel insurance when I’m going kayaking/rafting?

If things don’t go smoothly and you’re left bumped, bruised or even broken, the World Nomads 24/7 Emergency Assistance Team is here to help you.

If you’ve seriously injured yourself and require medical treatment, call the Emergency Assistance Team as soon as possible so it can direct you to the nearest medical centre or hospital. Or in the worst case, contact Emergency Assistance so it can evacuate you to the most appropriate medical facility for your care where possible. We may even bring you back home to Australia to recover if required.

World Nomads love hearing tales from the world’s best kayaking/rafting spots:

  • Chattooga River (USA) for beginner and advanced rafting.
  • Sri Lanka, everything is on offer for kayaking along its vast network of tropical waterways.
  • Krupa River (Croatia) for clear waters and magnificent waterfalls.

What’s not covered?

Sorry – we won’t cover you if you do something careless (such as your gear getting stolen when left on the beach while you take a swim). Some things we don’t cover include:

  • Any existing medical conditions, which are not listed as automatically covered conditions as per the specific requirements in your policy.
  • Undertaking activities above the grade allowed in the PDS; hazardous activities; or activities in hazardous locations.
  • If you do not use a professional qualified and licenced guide or operator where required.
  • Any search or rescue operations to find or rescue you from a life-threatening situation.
  • If you refuse to be repatriated or evacuated for further treatment on the reasonable recommendation of the Emergency Assistance Team.
  • Damage to sporting equipment while in use.
  • Unattended baggage or personal items.
  • Costs arising from being under the influence of drugs or
  • The policy excess per event where applicable (check the Summary of Benefits in your policy).

Traveller’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking.

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 wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.


Kayaking & Rafting: travelling smarter and safer

Here at World Nomads, we love to find ways to help you enjoy your travels: from travelling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Thinair28/IStock

Travel insurance when Kayaking or Rafting

Everything the Irish need to know about travel insurance for Kayaking & Rafting

    As featured in:

  • As featured in:

Travel Insurance when Kayaking or Rafting

Paddling on a velvet lake at sunrise — or holding your nerve over gripping whitewater, Irish travellers love the action of life on the water. From beginner to expert you’ll find your flow on one of the world’s great waterways on your next kayaking or rafting adventure.

Rafting and Kayaking activities: Is cover available?

Both our Standard and Explorer Plans offer many of the same benefits including cover for Level 1 sports and adventure activities such as kayaking, sea kayaking, canoeing, and for river boarding for grades 1-3 and whitewater and blackwater rafting for grades 1-5 as long as you’re with a fully qualified and licenced guide.

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

As much as we would like to offer insurance for every scenario, unfortunately that is not possible.

Note: we won’t cover any loss, claim or expenses relating to or arising from damage to any sporting equipment while in use, and not for loss, damage, or theft of any sporting equipment left unattended.

What’s covered?

Whether you’re taking a leisurely paddle through the French countryside with the family, or facing off against the roaring Salmon River in the US, both our Standard and Explorer Plans offer cover for the unexpected if your next kayaking or rafting trip hits troubled waters.

World Nomads offers cover (up to the policy limits) for:

  • Overseas emergency medical treatment for sudden injury or illness.
  • Overseas emergency medical evacuation and/or repatriation back to Ireland if required.
  • The non-refundable costs of curtailing your trip if you must return home early due to a sudden injury to you, your immediate relative or travel companion.
  • The Explorer Plan offers cover when official ‘Avoid All or All But Essential Travel’ advice is unexpectedly issued for your destination after you’ve received your Certificate of Insurance (and within 7 days of your departure), which causes you to cancel your trip.
  • Reimbursement or replacement of lost, stolen or damaged baggage or personal items (including your passport) up to the benefit limits. Remember to keep copies of your original receipts if you need to make a claim.
  • Replacement costs of buying essential clothing and toiletries if your checked-in baggage is delayed for more than 24 hours (keep those receipts).
  • Our family policies can cover 2 adults and up to 6 children under 18. Plus plans can be extended (Single Trip only) while still travelling for up to 12 months from your original departure date (conditions apply).

You may also have access to World Nomads Coronavirus cover for certain events. Our plans offer:

  • Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with Coronavirus (COVID-19) while overseas
  • Cover is offered for some Coronavirus-related events, such as cancellation following certification from a medical practitioner that you are too ill to travel due to COVID-19.

Note: please read your Policy Wording carefully as benefit limits, conditions and exclusions apply; as Coronavirus cover varies depending on your country of residence and the plan you’ve chosen.

Why consider travel insurance when I’m going kayaking/rafting?

If your luck changes and you are injured or get sick, the World Nomads 24/7 Emergency Medical Assistance Team is here to help you. Call the emergency medical assistance team as soon as possible in the event you know you will be admitted as an inpatient for at lesat one night so we can direct you to the nearest medical centre. In the worst case we may be able to preapprove the costs of your emergency evacuation to the most appropriate facility for your care. We may even bring you back home to Ireland to recover (if it's deemed medically appropriate).

Traveller’s Tip: Irish residents please keep in mind that you’ll first need to contact your private medical insurance (PMI) provider (if applicable) and follow its emergency medical procedures and claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, contact our 24/7 Emergency Medical Assistance Team before incurring medical costs.

Before you cast off, check that our Emergency Medical Assistance Team can reach you if you get into trouble. Remember if you (or someone in your party) do not contact us before your emergency medical and transport costs are incurred, this may affect your cover.

What’s not covered?

Some things we don’t cover include:

  • Any pre-existing medical conditions as explained in your Policy Wording.
  • Grades higher than those noted in the Policy Wording; extreme or hazardous activities (other than those listed) or locations.
  • Not using a professional qualified and licenced guide or operator where required.
  • Speed boating on white water or outside coastal waters.
  • Any search or rescue operations to find or rescue you from a life-threatening situation.
  • If you refuse to be repatriated or evacuated for treatment where it is recommended by our Emergency Assistance Team.
  • Unattended baggage or personal items.
  • Loss or expenses that relate to or arise from being under the influence of drugs or alcohol.
  • The policy excess that is payable per person per insured event.

Traveller’s Tip: before you launch your vessel, check the International River Grading of the river you’re on so you won’t invalidate your policy cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking. 

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 wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.


Kayaking & Rafting: travelling smarter and safer

Here at World Nomads, we love to find ways to help you enjoy your travels: from travelling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Thinair28/IStock

Travel insurance when kayaking or rafting

Everything international travelers need to know about travel insurance for Kayaking & Rafting

    As featured in:

  • As featured in:

Travel Insurance for Kayaking and Rafting

Exotic sunsets, the water lapping at your bow; experiences on the water are often the most unforgettable part of any holiday. From paddling with the family on Lake Superior, to sea kayaking the turquoise waters around Indonesia’s Raja Ampat archipelago, get your next holiday flowing on a kayaking/rafting adventure.

Rafting and Kayaking activities: Is cover available?

While you’re busy making waves, it’s good to know both our Standard and Explorer plans offer cover for level 1 sport and adventure activities such as kayaking for grades 1-3, sea kayaking, snorkeling or stand up paddle boarding.

If you’re planning more adventurous activities, you need to upgrade your cover for activities such as  white water and black water rafting (grades 1-5 only), river boarding (grades 1-3 only), ), jet skiing (grades 1-2 only) or canyoning. Simply specify all the activities you have planned for your trip to get the correct level of cover when you get your quote, as you can’t add activities afterwards. Terms and conditions apply, check your Policy Wording for details or contact us.

As much as we would like to offer insurance for every scenario, unfortunately that is not possible. We won’t cover any loss, claim or expenses relating to or arising from damage to any sporting equipment while in use, and loss, damage or theft of any sporting equipment left unattended.

What’s covered?

If you are injured or become ill, having travel insurance can help with unexpected medical costs. Depending on your Country of Residence and the plan you choose, World Nomads may offer cover (up to the policy limits) for:

  • Emergency medical: overseas emergency medical expenses at a hospital or medical center if you suffer an unexpected injury or illness while kayaking/rafting.
  • Evacuation: approved overseas medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Assistance Team.
  • Trip cancellation: if a sick or injured close relative or travel companion has put a stop to your trip, you may be able to recover related cancellation or curtailment expenses.
  • Gear protection: had your phone snatched or camera stolen? Your plan may help with replacing belongings swiped from under your nose. You’ll need a police report to submit with your claim along with copies of the original receipts and supporting documentation.
  • Lost or damaged baggage cover: both our plans offer cover if your transport carrier loses or damages your baggage or personal items, including your travel documents (up to the benefit limits). Remember to keep copies of your original receipts if you need to make a claim.
  • Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan offers cover for essential items you purchase while you’re waiting for your baggage (keep those receipts).

Depending on your country of residence and the travel insurance plan you choose, you may also have access to Coronavirus coverage for certain events.  Some of our plans offer:

  • Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with Coronavirus (COVID-19) while overseas;
  • On the Explorer Plan, cover is offered for some Coronavirus-related events, such as cancellation following your diagnosis of coronavirus

Note: Please read your Policy Wording carefully as benefit limits, conditions and exclusions apply.

Why consider travel insurance when I’m going kayaking/rafting?

Spills and thrills are part of the fun, but if that Huggy Bear rapid wasn’t so soft after all, our World Nomads 24/7 Emergency Assistance Team can help direct you to the nearest medical center to get treatment for any injuries. For general out-patient treatment (that’s unlikely to exceed US$725), keep all your receipts so you can make a claim under your policy for reimbursement.

The big enchilada to having travel insurance is if you need emergency medical evacuation, which can leave you with an enormous bill. Contact the Emergency Assistance Team so we can preapprove the costs of your emergency evacuation to the most appropriate facility for your care. We may even bring you back to your country of residence to recover.. 

Before you cast off, check that our Emergency Assistance Team can reach you if you get into trouble. Remember if you (or someone in your party) do not contact us before your emergency medical and transport costs are incurred, this may affect your cover.

What’s not covered?

Some things we don’t cover include:

  • Any pre-existing medical conditions as explained in your Policy Wording.
  • Grades higher than those noted in the Policy Wording; extreme or hazardous activities or locations.
  • Not using a professional qualified and licensed guide or operator where required.
  • Any search or rescue operations to find or rescue you from a life-threatening situation).
  • Speed boating on white water or outside coastal waters.
  • If you refuse to be repatriated or evacuated for treatment where it is recommended by our Emergency Assistance Team.
  • Damage to sporting equipment while in use.
  • Unattended baggage or personal items.
  • Misuse of alcohol or drugs to the extent that it impairs your health or faculties, or your judgement is seriously affected.
  • Exploratory expeditions, or mountaineering expeditions or activities in Antarctica, the Arctic or Greenland.
  • The policy excess payable per person per insured event.

Traveler’s Tip: before you launch, remember to check the International River Grading of the river you’re on so you won’t invalidate your cover. The scale is used for various water sports and activities, such as black and white water rafting, river boarding, white-water canoeing, stand up paddle surfing, and whitewater kayaking. 

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 wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.


Kayaking & Rafting: traveling smarter and safer

Here at World Nomads, we love to find ways to help you enjoy your travels: from traveling smarter to travel safety and we endeavor to source the most up to date information about travel destinations. If you are going Kayaking or Rafting in another country, check out our Travel Safety content - if you are going kayaking in some obscure location, check with us first and avoid known banjo plucking hot spots!

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Travel insurance tips for solo, couple, or family trips abroad

Check out our travel insurance travel tips to be prepared for each travel scenario.

    As featured in:

  • As featured in:

To travel is to live, according to Danish author Hans Christian Andersen, who understood that visiting new places and cultures expands the mind and broadens horizons. At World Nomads we know that travel is a joy at any age, whether you’re traveling alone, as a couple or as a family.

Here’s a handy guide for global adventuring no matter what part of your life’s journey you’re on, whether you're single, in a couple or traveling with your family.

How World Nomads travel insurance can help solo travelers

When you’re headed overseas on your own, the experience can be empowering and the freedom to make your own decisions exhilarating. However, enthusiasm aside, it’s always a good idea to take sensible precautions, especially if this is your first time traveling alone.

Top tips for traveling singles:

Travel insurance can be a safety net for the solo traveler, such as helping to replace stolen belongings and lost luggage. As soon as you notice an item is stolen, report it to local police and your carrier and get a copy of the report. Understand that you won’t be covered if you have left belongings unattended, even if they’re in a locked vehicle.


  • Pack light: don’t make yourself a target by traveling with heavy bags, which could slow you down or make you rely on others to help you. And keep receipts of all your belongings if you intend to make a claim.

  • Be aware: always be aware of your surroundings, particularly people nearby who may be watching you a little too closely. A pickpocket or thief can strike as soon as you’ve left your valuables unattended. And keep receipts for all your valuables if you intend to make a claim.

  • Duplicates: make copies of all your travel documents, including passports and itineraries, as well as emergency contact details (including those of your travel insurer). If you’re caught up in a crisis, contact our 24/7 Emergency Assistance Team and leave your contact details with your hotel. The team can help you get back on track when you’re lost, injured or sick, whether you need an ambulance transfer, a prescription medication or a hospital that can treat you if you’re sick or injured.

  • Leave copies: make sure your family back home has a copy of your itinerary and where you’ll be staying along the way.

How World Nomads travel insurance can help couples

Traveling with a friend or romantic partner can be a life-changing experience that can either make or break the relationship. Traveling can deepen the friendship or the romance and lay a foundation for a lifelong connection.

Travel insurance offers protection for unexpected events occurring before and during your trip. Buying a couple’s policy can sometimes be cheaper than buying two individual policies, so get a free quote from World Nomads to compare the costs and benefits.

Travel insurance may be one of the most important things to consider packing when heading overseas. If one of you loses your footing and sprains an ankle while hiking up Mount Sinai (easily done on the 3,750 steps of Repentance!) travel insurance could help with the cost of evacuation to a medical facility where you can receive treatment or (in a worst case scenario) if you need to be repatriated back to your country of residence.

Depending on your country of residence and which one of our plans you’ve chosen, if you’ve suffered a sudden illness or injury, or there’s been a death overseas, we’ll reimburse the reasonable expenses (up to the amount shown in the Summary of Cover) for your travel buddy to travel to and/or remain with you in hospital and/or accompany you (or your remains) during your repatriation home.

Always make sure you purchase the correct level of activity travel insurance, for example if you’re planning an extreme hike we offer different levels of cover depending on the elevation. Equally, you may want to consider some activity upgrades, say, if you’ll be kayaking, scuba diving or mountaineering. If only one of you plans to tackle more adventurous activities, it might be more efficient to buy separate policies.

Make sure you read your policy wording, and double check the cover available for your activities, as you may need to upgrade your plan to get the cover you need. You can also talk to us if you need help.

Taking out insurance for two people traveling together can be complicated especially if the couples reside in different countries, and are taking a trip together. If this is the case, check the policy eligibility for your respective countries of residence, check when the cover starts and ends, and make a note of any time zone differences.

How World Nomads travel insurance can help families

Traveling with children can add an extra level of stress to any holiday. Keeping track of bags, belongings, AND children can be challenging, especially when you’re rushing to catch a connecting flight, train or bus.

A World Nomads family policy will cover one or two adults and their financially dependent children or, on some policies, their grandchildren.  

At least one of the traveling adults must be the legal guardian of the dependents and they must normally reside together. If the adults and the children live in different countries, they may need to purchase individual policies.

Travel Insurance Tip: Whether you have one dependent or seven it’s important that you know who we mean by ‘dependent’ (for example, the age of your dependent(s) at the time of purchasing your policy) as it may vary depending on your Country of Residence. Definitions and cover conditions are outlined in your policy documents, and you can also check out our family travel insurance article for more details.

Note: always check your policy for any excess that applies, and understand that the excess may apply per person per event.

The need for emergency medical care is one of the most common reasons for purchasing family cover. World Nomads policies offer cover for medical care overseas when you or your children get sick or have an accident. Also, if you suddenly fall ill or are injured while traveling and your dependent child needs help traveling home, we may assist with the cost of another adult traveling to you to bring the child home.

For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.


About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Did you know travel insurance covers...

You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Getty Images/Simon Winnall

Travel Insurance for Camping

Protect your camping trip with coverage for gear, medical emergencies, and more.

    As featured in:

  • As featured in:

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below. 

We get it – you want to escape the hustle and unwind under a blanket of stars. From lush Pacific Northwest forests to the endless horizons of Australia’s Outback, a camping trip offers every manner of relaxation and exploration. As exciting as planning your outdoor adventure is, traveling far from home and urban comforts also comes with risks.

World Nomads travel Insurance* plans have been designed to cover sudden and unforeseen events that can happen when camping at least 100 miles away from your home.

What’s covered for camping?

When you’re roughing it in the woods, your travel insurance plan from World Nomads has your back. World Nomads offer four plans – Standard, Explorer, Epic and Annual – each with different levels of coverage designed for the activities you plan on doing.

If you plan to camp at a high elevation, you’ll want to be sure you pick the plan that will cover you way up there. Know your maximum altitude, and then choose your plan accordingly – the maximum altitudes per plan are listed in our adventure and activity list. Also know the altitude of your highest hike or bike ride; you should factor all your adventures into your plan comparisons.

Here are some of the other things we cover for your camping trip:

  • Baggage protection: has your camping gear gone missing? Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items. Our plans also include non-insurance services like Blue Ribbon Baggage, which will track and expedite the return of your airline baggage. 
  • Emergency medical: camping and fresh air can be great for the body and soul but not if it ends up in an accident. We offer emergency medical expense coverage so you can get the treatment you need. It can help protect you against a mountain of medical bills if you get sick or injured.
  • Evacuation: your campground may be located deep in the wilderness, far from medical assistance. Emergency evacuation coverage may be able to get you to a medical facility.  Call the 24/7 Emergency Team so they can coordinate and pre-authorize your transportation arrangements.
  • Trip cancellation or interruption: if your trip is cancelled, interrupted, or delayed due to an unforeseen event like an illness or injury, you may be able to recover your nonrefundable, prepaid travel expenses through our trip cancellation, trip interruption or trip delay coverage
  • Adventure activities: if you’re planning on hitting the mountain biking trails or trekking to the top of craggy peaks, our plans cover 250 other sports, activities and experiences.

What’s not covered?

Some things we may not cover include:

  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
  • Unattended baggage, sporting equipment or personal items. 
  • Damage to gear while in use.
  • Expenses that can be recovered from another source, such transport carriers or accommodation providers.
  • Working or participating professionally in any activity or sport.
  • Any search-and-rescue missions.
  • Being under the influence of alcohol or drugs

This is not a full list of what’s covered and what’s not; please check your insurance plan documents carefully for a full list of limitations and exclusions that may apply to your specific plan. If you have questions about your coverage, please contact us for help.

Need help planning your camping trip? Read our article on camping tips and hacks.

*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described.  Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

True Claims Stories

  • Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
    L.D.
    U.S. resident in Spain
  • I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
    A.B.
    Australian in Thailand
  • I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
    T.R.
    Canadian in Malaysia

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.
Photo © Carlos Corcuera/Getty Images

Travel Insurance for Mexico

31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.

    As featured in:

  • As featured in:

With a total of 26 UNESCO-listed heritage sites to explore, including Zacatecas, Chichen Itza and National Park of Palenque, as well as stunning coastline, and great food and music, Mexico has every type of activity to help Irish travellers unwind or get the adrenaline pumping.

Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However Irish travellers shouldn’t be deterred from experiencing one of the world’s most amazing cultures.

Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.

Baggage theft in Mexico

If your airline loses your luggage or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the local police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.

Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the local police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.

We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.

Can I travel to Mexico?

Always make sure you’ve done your research on any country you’re planning to visit as there may be Irish government imposed travel restrictions in place. If you decide to travel to a country where the Department of Foreign Affairs (DFA) has advised ‘Do Not Travel’ or ‘Avoid Non-essential Travel’ to a particular country or part of a country then your World Nomads policy will not offer cover for the reasons for which the warning was given.

For the most up-to-date info on travelling to Mexico and other countries, go to the DFA website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.

Traveller's tip: carry your electronics, passport, and valuables with you at all times or lock up your belongings securely when you can’t take them with you. Don’t leave them in the car or in your luggage. Use common sense, be aware of your surroundings, and take precautions while exploring to help ensure that your Mexican trip will be safe and fun.

Travel insurance for medical emergencies in Mexico

Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning and drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.

These emergencies can take down even the most experienced Irish traveller. That’s why our 24/7 Emergency team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatments if needed to make sure you are given proper care.

If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:

  • Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
  • Out-patient treatment (no hospital admission).
  • Emergency dental treatment to relieve immediate pain.
  • Outpatient physiotherapy when prescribed by a medical practitioner.
  • Specialist counselling services if you suffer psychological trauma.
  • Emergency medical transport and repatriation home if medically necessary and authorised by our Emergency assistance team.

If something goes wrong, such as robbery, accident or illness we provide travel insurance that can help with:

  • Emergency overseas medical.
  • Emergency medical evacuation or repatriation when necessary.
  • Luggage and personal effects cover.
  • 24-hour Emergency Assistance.
  • Cover for some Coronavirus-related events.

If you need more tips on travelling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips article may provide some answers.

Traveller's tip: stick to bottled, boiled or purified water, or use purification tablets, and follow your doctor’s advice for any other health recommendations.

Is there travel insurance for scuba diving?

We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Though both our Standard and Explorer plans include benefits for scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth. 

For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.

An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.

This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.

Traveller's tip:  to buy the correct level of cover, consider the activities you know you'll be doing on your trip. For example: if you're going scuba diving at least once during your trip, you would consider the type of scuba diving you'll be doing, including the maximum depth, and whether you’ll need to be licensed as this may impact how you are covered by your travel insurance policy.

Stolen Belongings

While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Are you or your family sick or injured?
  • Natural disaster or terrorist attack where your'e going?
  • Called to active service?

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 medication?
  • 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
  • Hurt abroad?
  • Need to get to a hospital urgently?
  • Default text

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Video camera gone?
  • Laptop lost?
  • Sports gear stolen?

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team
Photo © Carlos Corcuera/Getty Images

Travel Insurance for Mexico

31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.

    As featured in:

  • As featured in:

From the lush jungles and ancient ruins of Palenque to the UNESCO World Heritage listed, Guanajuato City, famous for its cobbled streets and colonial architecture, Mexico has every type of activity for British travellers whether you want to wind down or get your adrenaline pumping.

Despite its incredible natural wonders, Mexico can also be a dangerous place, especially if you don’t know the language or end up in the wrong part of town. However British travellers shouldn’t be deterred from experiencing one of the world’s most interesting and friendly cultures.

Here are some tips on how to stay safe and how to make the most out of your travel insurance cover.

Baggage theft in Mexico

If your airline loses your luggage or you’re exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travellers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier.

Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.

We understand this can be a challenge when you’re in a country where you don't speak the language. Thankfully, our 24/7 Emergency Medical Assistance team can try (where possible) to help you negotiate the local administration.

If something goes wrong, such as a robbery, accident or illness, we provide travel insurance that can help with:

  • Emergency overseas medical assistance;
  • Emergency medical evacuation or repatriation when necessary;
  • Luggage and personal belongings cover;
  • 24-hour Emergency Medical Assistance.

If you need more tips on travelling abroad during COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.

Can I travel to Mexico?

Remember to always research any country you’re planning to visit as there may be UK government imposed travel restrictions in place. If you decide to travel to a country that the Foreign, Commonwealth & Development Office (FCDO) has advised against all travel or against all but essential travel then your World Nomads policy could be restricted.

For the most up-to-date info on travelling to Mexico and other countries, visit the FCDO website, which includes coronavirus travel guidance, security and local laws, and passport and visa information.

Traveller's tip: Carry your electronics, passport, and valuables with you at all times or lock them up securely when you can’t take them with you. Don’t leave them in the car or in your luggage. Use common sense, be aware of your surroundings, and take precautions while exploring to help ensure that your Mexican trip will be safe and fun.

Travel insurance for medical emergencies in Mexico

Many of us have been guilty of over indulging when it comes to Mexico’s amazing food and drinks or have come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly so don’t rely on your own instincts or the Internet to get medical advice.

These kinds of emergencies can take down even the most experienced British traveller. That’s why the services of our 24/7 Emergency Medical Assistance team are essential. Our team can give you advice on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatment if needed to make sure you are getting proper care.

If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:

  • Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient);
  • Out-patient treatment (no hospital admission);
  • Emergency dental treatment to relieve immediate pain;
  • Outpatient physiotherapy when prescribed by a medical practitioner;
  • Specialist counselling services if you suffer psychological trauma;
  • Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Traveller's tip: stick to bottled, boiled or purified water, or use purification tablets, and follow your doctor’s advice for any other health recommendations.

Is there travel insurance for scuba diving?

We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents, illness or injuries underwater. Both our Standard and Explorer plans include benefits for scuba diving, each plan excludes certain types of diving or dives beyond a certain depth. 

For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.

An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check your Policy Wording for details or contact us if you have questions.

This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.

Traveller's tip: to buy the correct level of insurance cover, consider the activities you'll be doing on your trip. For example, if you're going scuba diving at least once during your trip, you would consider the type of scuba diving you'll be doing, including the maximum depth, and whether you’ll need to be licensed as this may impact how you are covered by your travel insurance policy.

Stolen Belongings

While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
U.S. Nomad

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Are you or your family sick or injured?
  • Natural disaster or terrorist attack where your'e going?
  • Called to active service?

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 medication?
  • 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
  • Hurt abroad?
  • Need to get to a hospital urgently?
  • Default text

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Video camera gone?
  • Laptop lost?
  • Sports gear stolen?

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team