What to do if your passport is stolen
- As featured in:
As featured in:
Having your passport stolen really sucks. Thankfully World Nomads’ policies may help cover your extra costs while you arrange an emergency replacement passport. Here’s how...
1. Report the incident ASAP
Report the incident to the relevant authorities and get a report from them. This may include:
- The local police (within 24 hours);
- Your nearest embassy, diplomatic or consular mission for your country of citizenship;
- For visas and passports from other countries – contact the relevant embassy;
- Any other relevant authorities, such as the airline, hotel or tour operator.
Travel Insurance tip: for certain countries, it is an offence not to report the loss or theft or your passport as soon as you learn of the loss. It may also affect your travel insurance cover if you don't report it as soon as reasonably possible.
2. Arrange a replacement or emergency passport
Carefully check the process to apply for an emergency or replacement passport with the British embassy. You may need to attend an appointment at your nearest British embassy, High Commission or consulate after you’ve applied online on the FCDO website. You must provide us with copies of all documentation provided by the foreign government agency and the UK government. You will also need a written police report when your passport has been stolen.
If you need to travel to a different location to apply in person or collect your emergency passport, you should arrange to do this.
Travel Insurance tip: emergency passports do not permanently replace your passport. They can be issued quickly with limited validity so you can return back to the UK or continue with your trip.
3. Rearrange or cancel any affected travel arrangements
Once you’ve confirmed that any travel arrangements are going to be affected, contact any accommodation, tour, transport and other providers to rearrange or cancel any arrangements you may have. Make sure you get confirmation from them in writing of the changes or cancellation, and details of any refunds or extra fees paid.
4. Keep your receipts
If you think you'll need to claim, make sure you keep the official reports you were given and all original receipts as evidence to support your claim including your itineraries, booking and cancellation confirmations for any affected transport, accommodation and additional expenses.
5.Need to know more?
This information may help you when 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 policy will always have the terms, conditions, limitations and exclusions that apply.
If you have questions about what's covered and not covered, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
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?
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
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamKayaking and Rafting Travel Insurance Plans
Canadian Residents can protect their fun on the water with travel insurance
- As featured in:
As featured in:
At a glance:
- World Nomads plans may cover kayaking in inland/coastal waters and whitewater kayaking and rafting for grade/class 1-5, with the ability to pay an extra premium and be covered for sea kayaking outside coastal waters.
- Coverage for injuries and medical transport if you're seriously hurt while kayaking and rafting.
- Reimbursement for your non-refundable, prepaid rafting and kayaking tours if you need to cancel, plus coverage for trip delays or trip interruptions due to covered events.
- Gear & Baggage Protection helps cover lost, stolen, or damaged gear and luggage.
- Access to emergency assistance anytime, anywhere.
- Why should I consider travel insurance for my kayaking or whitewater rafting trip?
- Kayaking and rafting travel insurance: What may be covered?
- What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
- What may not be covered when kayaking or rafting?
- Top safety tips we recommend for your kayaking or rafting trip
- FAQs
From kayaking alongside glaciers in Alaska to whitewater rafting down the Balsa River in Costa Rica, there’s plenty of ways to have fun on the water with a kayaking or rafting adventure. Our travel protection plans include a range of travel insurance benefits for kayaking and rafting that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my kayaking or whitewater rafting trip?
Nobody goes whitewater rafting with the intention of falling out of their raft, but it can happen. Even on a leisurely kayaking trip, you could sprain a muscle or get heat exhaustion. Travel insurance designed for kayaking and rafting may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently – whether you're navigating rapids or calm waters.Kayaking and rafting travel insurance: What may be covered?
As paddlers ourselves, we’ve designed our plans that may cover kayaking and rafting while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
-
Emergency Medical Expenses
For broken bones, cuts, and sprains after a kayaking or rafting accident -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the river -
Baggage & Gear Coverage
Damaged or stolen paddling gear, or swimsuits that have gotten lost with your checked luggage -
Trip Delays, Interruptions & Cancellations
A money-saver if an unforeseen covered event throws a wrench into your plans
Terms, conditions, and limitations apply to all coverage mentioned.
What level of travel insurance coverage do I need for my kayaking or whitewater rafting trip?
World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.
- The Standard plan includes travel insurance for kayaking, snow rafting, cave tubing, and sea kayaking. Whitewater rafting and kayaking, blackwater rafting, hydrospeeding, and river boarding for classes 1-5 are also included.
- The Explorer plan also covers these activities, but has higher limits of coverage.
When you purchase your policy, you’ll need to list kayaking, rafting, and all of the other activities that you plan to participate in while on your trip. There’s over 250 other sports, activities and experiences that may be covered. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.
Kayaking in inland/coastal waters (within three nautical miles of shore), snow rafting, and cave tubing are considered Level 1 activities. Whitewater and blackwater rafting, hydrospeeding, and river boarding for grades/classes 1-5 are too. All Level 1 activities are automatically covered, but you’ll still need to list them when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like sea kayaking and swimming outside of coastal waters. If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when kayaking and rafting?
- Kayaking or whitewater rafting under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Kayaking, rafting, or travelling within your home province
- Rafting or kayaking if your doctor has advised against it
- Any Class 6 kayaking or rafting trips
Top safety tips we recommend for your kayaking or rafting trip
- Research your tour operator: If you’re going on a kayaking or whitewater rafting excursion, research the tour company’s credentials ahead of time.
- Know your own limitations: Kayaking and whitewater rafting are physically demanding, so make sure you’re up to it. If you have any concerns, talk to your doctor ahead of time, and make sure you plan a trip within your own skill level. If you decide to go kayaking or rafting after your doctor has told you not to, and then you get hurt, you won’t be covered by your travel insurance for whitewater rafting and kayaking.
- Wear a life jacket: Think less about your tan lines, and more about your safety. Accidents can happen at any time, and if you fall out of your kayak or raft, you may not have time to grab that if you unexpectedly go overboard.
- Store a copy of your rafting and kayaking travel insurance documents in a dry bag: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for kayaking and rafting. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
Is kayaking covered under World Nomads Travel Insurance?
Yes, World Nomads offers kayaking travel insurance, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Kayaking within inland/coastal waters is considered a Level 1 activity and is automatically covered, but you’ll still need to list it when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
-
Is whitewater rafting covered under World Nomads Travel Insurance?
Yes, World Nomads offers whitewater rafting travel insurance for grades/classes 1-5, but make sure you list this as an activity you’ll be participating in when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like kayaking and swimming outside of coastal waters. If you are doing something else on your trip and aren’t sure if it’s covered, we suggest you contact us to make sure.
-
What types of incidents are covered while kayaking or rafting abroad?
If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the policy limits), and this may include unused, pre-paid, non-refundable kayak rentals or rafting excursions. If you fall out of your kayak or raft, get hurt, and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
-
Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You may buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
-
Does World Nomads Travel Insurance offer coverage for kayaking and rafting outside of Canada?
Yes, there are so many great places around the world where you can kayak or go whitewater rafting, and World Nomads doesn’t want to limit your fun. For example, if you have coverage that includes travel insurance for Asia, you could have the opportunity to go whitewater rafting on the Trishuli River in Nepal or kayaking through the mangroves in Okinawa. When you get a quote for travel insurance for kayaking and rafting, you’ll need to input where you’ll be travelling, and also list kayaking as rafting as activities you’ll be participating in.
-
What should I do if I get hurt while kayaking or rafting?
If you have travel insurance for rafting and kayaking and unexpectedly get hurt, you can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They may also translate for you if you’re travelling outside of Canada and your medical team doesn’t speak French or English. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
-
Does World Nomads Travel Insurance cover other activities during my trip?
Yes, with your rafting and kayaking travel insurance benefits, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
-
Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by both plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, kayak rentals, whitewater rafting excursions, and accommodations if your trip is cancelled for a covered reason.
-
What happens if my bags are delayed?
When you purchase travel insurance for rafting and kayaking, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for your next kayaking or rafting trip?
Not sure where your next paddling adventure should take you? Check out some of our favorite places around the world to go kayaking and rafting and get destination-specific travel insurance tips to help you plan with confidence.
Ecuador Discoveries: Kayaking the Amazon
Kayaking in the Shadow of Giants in Southern Greenland
5 of the Best Places to Kayak Around the US
Whitewater Rafting in Nepal: 7 Best Places to Go
Canada Discoveries: Rafting the Exploits River
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- 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?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Mountain Biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
- As featured in:
As featured in:
Check what’s covered before you head up the mountain
Nothing shouts adventure for Irish travellers than the speed and thrills of mountain biking. But as fun as mountain biking can be it can also lead to nasty cuts, bruises and injuries. That’s why travel insurance comes in handy when your mountain bike ride doesn’t go to plan.
What’s covered for mountain biking?Our plans can help you navigate any unexpected mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
|
Two travel insurance plans to suit your sport and activity needs
Unfortunately we can’t help with that punctured tyre but if you’ve seriously hurt yourself World Nomads Travel Insurance Standard and Explorer plans can offer coverage for unforeseen medical costs on your next mountain biking adventure overseas. Both our plans offer optional upgrades so if you plan on taking lifts for some gripping descents, you must upgrade to the activity level that suits your needs at the time you purchase your policy.
What do you do if something happens to you?
We understand that unexpected accidents and illnesses may strike at any moment, that’s why the World Nomads 24/7 Emergency Medical Assistance team is here to help you navigate any issues you may have if you end up in hospital. If you’re admitted to hospital, you (or someone else) must notify our 24/7 Emergency Medical Assistance team as soon as reasonably possible. Your medical expenses can be paid directly to the hospital, where possible, once cover is confirmed. For more information on what to do if you need emergency assistance while overseas check out our Overseas Medical Treatment and Hospitalisation Help Centre article.
Travel insurance tip: Irish travellers, if you require any medical treatment during your trip while outside of Ireland (and as soon as your medically able to do so) you’ll need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and claims procedures. Where your PMI provider cannot provide assistance, get in touch with our 24-hour Emergency Medical Assistance Team as soon as reasonably possible before incurring medical costs, and also please provide us with details of your PMI provider to help us coordinate your care. For more information on what to do please refer to Section 8 Medical Sections of Cover, Important Information, in your Policy Wording.
You can also claim for your non-refundable costs of cancelling your trip if you or your travel buddy suddenly gets sick or hurt before you go on your trip. We also offer cover if you’re left empty-handed when the airline loses your baggage; or if a storm affects your connecting flight and puts the brakes on your travel plans (Explorer Plan only).
Why buy travel insurance when you’re going mountain biking?
Having travel insurance can help take some of the stress out if you end up in hospital with unexpected medical costs from a broken leg to some bangs and scrapes. Importantly travel insurance offers coverage for those ‘worst possible case’ scenarios when you need to be repatriated to Ireland to recover.
An upgrade for certain activities and sports may be required and terms and conditions apply for each activity. Check out our activities article for details or contact us if you have questions.
World Nomads plans offer cover for many mountain bike destinations:
- Les Gets, France where the lower Alps make for perfect mountain biking trails
- Spain’s southern Andalucía region for riding in the sun
- The downhill, cross-country and single tracks of Whistler Canada
- Desert riding around Colorado and New Mexico
What’s not covered?
Some things we may not cover for mountain bike riding include:
- Pre-existing medical conditions
- Theft, loss and damage to bikes and their related accessories
- Participating in racing events
- Personal liability while bike riding
- Leaving baggage, personal items or any mountain biking gear unattended
- Any search or rescue operations to remove you from a life-threatening situation
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties
- Damage from any illegal activity.
For more information, go to our Help Desk mountain biking article.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the Policy Wording for complete details of cover and exclusions. If you are unsure of your level of travel cover, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Mountain Biking
Whether you’re a hobby mountain biker or serious fiend, travel insurance for mountain biking can stand you in good stead when the mountain wins.
- As featured in:
As featured in:
Embrace the thrill of the trails! Whether you're a weekend warrior, or a downhill daredevil, having travel insurance can keep you focused on the fun, not the what-ifs. From the rugged peaks of Scotland to the challenging trails of the Alps…there’s so many mountains waiting to be climbed on two wheels! But before you hit the paths less pedalled, check out our tips to ensure you're fully geared up with the right cover.
- Should I consider travel insurance when mountain bike riding?
- What’s actually covered when you go mountain biking
- What’s not covered when mountain biking?
- World Nomad’s handy tips for your mountain bike adventures
- Need some inspo for your next mountain biking adventure?
- Frequently asked questions
Should I consider travel insurance when mountain bike riding?
Accidents and Injuries: the rugged nature of mountain biking increases the risk of falls and injuries. Whether it's a minor scrape or a more serious injury requiring hospitalisation, travel insurance can cover medical expenses and emergency treatments.
Remote Locations: many of the best trails are off the beaten path. If you get injured in a remote area, emergency evacuation can be costly. Travel insurance can cover the expense of medically necessary evacuations, ensuring you receive the best possible care swiftly.
Damage or Loss of Gear: mountain biking gear is an investment. If your essential equipment is damaged or stolen during your trip, travel insurance can help cover these costs, allowing you to replace or repair your gear without significant financial burden. World Nomads provides baggage protection for lost, stolen, or damaged items of up to £3,000 with the Explorer Plan and £1,500 with the Standard Plan. For high-value gear, you may want to consider adding them as high value items. You can increase the level of cover of item up to £750 on the Explorer plan and £400 on the Standard. The maximum limit for all high value items is £2,250 on the Explorer and £1,200 on the Standard. An additional premium is required when adding high value items.
What’s actually covered when you go mountain biking?
As long as you’re not doing anything silly, like riding without a helmet or under the influence of drugs or alcohol, World Nomads offers cover for mountain biking (on and off road, cross country, or downhill). We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific mountain biking plans. Here are some of the things our plans over:
If you’re injured or have an accident whilst biking
It’s not nice to think about, but if you suffer an injury or accident on your ride, our emergency medical assistance coverage may protect you for emergencies that require:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Prescribed medicines
- Ambulances
If you need medical treatment, it’s essential that you get in touch with our Emergency Medical Assistance team as soon as possible so they can support you.
If you need to be evacuated or repatriated
You might be riding in a remote area, far from medical assistance, so our policies include coverage if you need to be evacuated to a medical facility.
Emergency Medical Assistance Team available 24/7
Having a medical emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Medical Assistance team. Our Medical Emergency Assistance team can help with a range of services in whatever part of the world you’re travelling 365 days a year.
Cancellation of your ride
If your ride is cancelled or interrupted due to an unforeseen event, you may be able to recover your unused/additional travel expenses. With the Explorer plan this can include if your destination is affected by a natural catastrophe.
Note: There are specific terms and conditions, limits and exclusions that apply to mountain biking, so be sure to check the exclusions section of this article, and also check your policy wording carefully. If you’re not sure whether something is covered, contact us.
What’s not covered when mountain biking?
While we can offer coverage for mountain biking, there are also things we just won’t cover. These include, but are not limited to:
- No matter how safe you are, we won’t cover any mountain biking on the infamous Death Road – otherwise known as Yungas Road in Bolivia.
- Riding at altitudes over 6,000 metres
- 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.
- Working or participating professionally in any activity or sport.
- If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
- Any pre-existing medical condition.
World Nomad’s handy tips for your mountain bike adventures
- Make sure your bike is set up correctly before you ride – check the saddle, pedals, handlebars, brakes, suspension, and tyre pressure.
- Put your safety first: only go riding with professional, qualified, licensed and reputable operators. If you don’t, your cover may be void. If something doesn’t feel right, then don’t go.
- Keep your body loose and springy and be prepared to stand up on the bike – doing this moves you with the bike and can help you avoid injury and accidents.
- Study the trail map and understand the route before you start. Use GPS or a reliable app to keep track of your location, especially in remote areas.
- Bring enough water and high-energy snacks to keep you hydrated and energised throughout your ride.
Need some inspo for your next mountain biking adventure?
Check out our handy guides and insider travel tips on the best places to go mountain biking:
- The best mountain biking tracks around Nepal
- A guide to mountain biking in New Zealand
- 4 of the best places for mountain biking in the US
This is only a summary of cover 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.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for mountain biking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Can I get travel insurance if I’ve already started travelling?
Yes! With World Nomads, you can purchase travel insurance after you’ve left UK. Keep in mind though, there is a 72-hour waiting period before cover is activated.
-
Can I upgrade my travel insurance to include high-risk mountain bike riding
Here’s the deal: general off-road/cross-country mountain bike riding is covered under both our Standard and Explorer plan. However, if you intend to up the anti with some gnarly downhill trails, you’ll need to select add this activity from the beginning, and pay the additional premium, because you can’t upgrade once you’ve purchased.
-
Does World Nomads travel insurance cover competitive mountain biking events?
No, World Nomads doesn’t cover competitive (or professional) mountain biking events.
Flexcations Travel Insurance Coverage
US Residents can protect their working vacations with travel insurance
- As featured in:
As featured in:
At a glance:
- All World Nomads plans could cover losses resulting from flexcation trips where working and fun come together, with some plans that offer higher limits of coverage.
- Emergency Medical Expense Coverage may assist with medical costs and transport if you're seriously hurt while working and traveling.
- Our travel protection plans can include coverage for transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Baggage and Personal Effects protection helps cover lost, stolen, or damaged personal gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (Additional cost and terms apply. Not available in New York.)
- Why should I consider travel insurance for my flexcation?
- Travel insurance and non-insurance services for flexcations: What may be covered?
- What level of travel insurance coverage do I need for my flexcation trip?
- What may not be covered when on a flexcation?
- Top tips we recommend for a successful and productive flexcation
- FAQs
Because of flexible work and school schedules, more travelers are opting to take flexcations – extended stays away from home that are a mixture of leisure and work travel. Digital nomads have the flexibility to travel to some of the world’s most intriguing places, but no matter where you’re headed, it helps to always be prepared for the unexpected when traveling. For example, if you’re planning to spend your weekdays working in Rome and your weekends tasting your way through Tuscany, a travel protection plan that includes travel insurance coverage for Italy can help protect your trip. Your plan may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my flexcation?
The 9-5 grind of work isn’t so bad if you have your toes in the sand and a fruity drink by your side. These days, you can work from just about anywhere in the world with a strong Wi-Fi connection – including some of the most scenic tropical landscapes like the Caribbean and Costa Rica. But what happens if you get hurt while scuba diving or snorkeling on your lunch break? A travel protection plan that includes travel insurance coverage may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently while you’re on a flexcation.
Travel insurance and non-insurance services for flexcations: What may be covered?
The purpose of a flexcation is to be able to fully enjoy the destination where you’re traveling, and you’ll hopefully be experiencing new cultures and activities while you’re there. But when you’re working and studying remotely and away from home, unexpected situations can happen – and that’s why we’ve designed our travel protection plans to include travel insurance coverage for flexcations. We also offer coverage for losses related to more than 250 sports, activities and experiences.
-
Emergency Medical Expenses
For injuries that happen to digital nomads when on a flexcation -
24/7 Non-Insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Coverage for damaged or stolen luggage and personal gear -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather impacts your trip.
Get a quote and compare the plans to see which level of coverage is right for you.
Terms, conditions, and limitations apply to all mentioned coverages.
All plans include travel insurance coverage for your flexcation trip, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need for my flexcation trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. A flexcation isn’t supposed to be all work and no play, and depending on where you’re headed, you may want to enjoy a variety of other activities such as hiking, snorkeling, or skiing. That’s totally fine, because you may be covered for 250+ sports, activities and experiences.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for unexpected illness or injury incidents while on a flexcation. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan includes everything in the Standard plan, plus even more activities – including skydiving It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer plan covers, plus even more activities – including cliff diving and ice climbing (up to 26,247 feet/8,000 meters). It also has the highest benefit limits of coverage.
- Annual Plan – This plan is for digital nomads who are planning multiple trips. Just buy once and stay protected all year. It includes travel insurance coverage for flexcations, as well as all of the other activities covered in the Standard Plan.
It’s important to note that the maximum trip length for a single trip plan (the Standard, Explorer or Epic) is 180 days. It’s 45 days per trip for an Annual Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when on a flexcation?
So what happens if your boss told you that you could work remotely and be a digital nomad, but then changes his mind as soon as you land in Europe? If you have to go home because your employer won’t let you work remotely anymore, your travel insurance coverage for your trip to Europe won’t reimburse you for the costs of your trip. While many things are covered by travel insurance and non-insurance services, there are some things that aren’t – including your boss changing his mind. (Although it’s totally not cool.)
Some other things that aren’t covered include:
- Unattended baggage or personal items
- Participation in activities not listed in our 250+ sports, activities and experiences.
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Ignoring your doctor if they have advised in writing that you are not medically fit to travel
- Traveling within 100 miles of your home
- Any electronics or other equipment that you use for professional purposes.
- A non-emergency treatment or surgery, including routine physical examinations
Top tips we recommend for a successful and productive flexcation
From our own experiences of being digital nomads, we’ve worked in some really interesting destinations around the world. It's never been easier to unplug and take off now that you can work and study remotely. But travel glitches can arrive in all shapes and sizes, and it helps to prepare as much as you can. Here are a few tips that you may find helpful when planning your next flexcation.
- Check to see if there’s reliable Wi-Fi. It’s better to ask questions in advance before you’ve traveled all the way there and see that there’s a problem.
- See if there’s ample space for you to work productively. You’ll want to make sure you have a quiet space for those times that require more focus and concentration.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination.
- Check with the U.S. Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
- Make time for work and play. The point of a flexcation is to be able to experience a new place, so plan out some time to enjoy your destination.
FAQ
Here are our most frequently asked questions about cover for flexcations. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
-
Are flexcations covered under World Nomads Travel Insurance?
Yes, flexcations or ‘work and travel programs’ may be covered under all four plans offered by World Nomads Travel Insurance. However, note that the maximum trip length for a single trip plan is 180 days. It’s 45 days per trip if you have an Annual Plan.
-
Will travel insurance cover my laptop and other electronics that I use for work?
Our plans are designed to provide coverage for your baggage and personal effects, including electronic devices and personal computers. While our plans may provide coverage for your personal electronics that you own and take with you on your trip, we will not cover your professional electronics that is owned by someone other than yourself or used for professional purposes.
-
What types of incidents may be covered while on a flexcation?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you get hurt when on a flexcation and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
-
Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel insurance coverage and non-insurance services for flexcations online anytime, from anywhere in the world. World Nomads Travel Insurance for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage, you’ll need to buy your insurance at least the day before you need coverage.
-
Does World Nomads Travel Insurance offer coverage for overseas flexcations?
Yes, some of the best places to take a flexcation are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have a travel protection plan that includes travel insurance coverage for your trip to France, you could have the opportunity to be a digital nomad in Paris. If you have travel insurance coverage for your trip to Japan, you could work remotely and spend your free time skiing in the Japanese Alps. When you get a quote for a travel protection plan that includes travel insurance coverage for flexcation trips, you’ll need to input where you’ll be traveling.
-
Does travel insurance cover routine healthcare when I’m working remotely in another country?
World Nomads plans include medical expense coverage in the event you suffer a medical emergency while on your trip. Travel insurance won’t pay for everyday or preventative care, such as allergy medications or routine check-ups. If you have an unexpected medical emergency though, World Nomads Travel Insurance may help with things such as hospital stays, prescription medications, and x-rays (subject to approval.)
-
What should I do if I get hurt while on a flexcation?
If you get hurt while you’re on a flexcation, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for flexcation trips.
-
Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services for flexcations, you could be covered for 250+ sports, activities and experiences. We know you’ll be doing more than working and studying, and that’s what makes it fun to be a digital nomad. Things like hiking and biking may be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
-
Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and accommodations if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
-
What happens if my bags are delayed?
When you purchase travel insurance coverage for flexcations, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for necessary personal items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next flexcation?
There are actually some pretty amazing places where you can work remotely here in the United States (and you can get a travel protection plan that includes travel insurance coverage for the US as long as you’re traveling more than 100 miles away from your home.) But there’s an abundance of great places around the world where you can embrace your inner digital nomad, too. Check out a couple of our favorite locations and get destination-specific travel tips to help you plan with confidence.
A World Nomad’s Guide to Puerto Vallarta, Mexico
Six Things to Know Before Going to France
A Local’s Guide to Visiting Berlin, Germany
Italy Travel Tips: Six Things to Know Before Visiting
Six Things to Know Before Traveling to Norway
How to Experience Ho Chi Minh City Like a Local
Five Incredible Cities to Explore in Spain
For more tips on working remotely, you may also want to check out the World Nomads Podcast: Saying Goodbye to the Office.
20251106-4950434. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.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?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance while camping
Simple and flexible travel insurance to take you camping around the world. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
World Nomads loves camping
We get it. You want to escape from the hustle and unwind under a blanket of stars. From lush forests to the endless horizons of Australia’s Outback, a camping trip offers every manner of revival. As exciting as planning your outdoor adventure is, travelling far from home and urban comforts also comes with risks.
- What's covered for camping?
- Cover for adventure or sports activities while camping
- Know where you’re going and what to do if the unexpected happens
- What's not covered?
World Nomads Travel Insurance Standard and Explorer plans have been designed to offer cover for sudden and unforeseen events on your next camping trip such as being left empty handed when the airline loses your baggage (with your hiking gear in it), if you need to see a doctor if you are hurt or unwell or if severe weather washes away your travel plans.
Nothing soothes the soul like the crackle of a campfire. As passionate campers ourselves, we’ve designed our plans to cover all types of camping adventures:
- Searching for the Northern Lights in Lapland
- Pitching camp among the old growth forests of British Columbia
- Trekking through Cradle Mountain – St Clair National Park, Tasmania
What's covered for camping?
Our plans can help you navigate any mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
- The non-refundable costs of cancelling your trip due to sudden injury or illness to you, a travelling companion or close relative.
- The Explorer Plan includes cover for official ‘Do Not Travel’ advice issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to Ireland.
- Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim.
- Checked-in baggage delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while waiting for your baggage (keep receipts).
- Rental car insurance excess (Explorer Plan only).
- Cover for some Coronavirus (COVID-19) related events. To find out more about our cover for COVID-19 related events, including benefit limits and exclusions, click here.
Cover for adventure or sports activities while camping
What’s a camping trip without some action?
Both our plans offer cover for activities such as bungee jumping, stand up paddle boarding/surfing and scuba diving up to 30 metres. While there are many activities available on the Standard plan, those feeling extra adventurous can upgrade to the Explorer Plan which offers higher benefits and a broader range of activities and sports pursuits. It costs more but it may better suit your needs as it offers upgrades for activities such as camping and hiking up to 6,000 metres, or mountaineering (with ropes, picks or specialist climbing equipment) up to 6,000 metres.
Travel insurance tip: Your cover will depend on the activity(ies) you chose at the time of policy purchase and terms and conditions apply for each activity. Level 1 sports and activities are automatically covered on the Standard and Explorer Plans. You can upgrade your cover for a range of other activities, experiences and manual work if you select the activities (listed as Level 2, 3 and 4) but you will need an upgrade to the Explorer Plan.
Check your Policy Wording for details or contact us if you have questions.
Know where you’re going and what to do if the unexpected happens
Before you head off to the wilderness, it pays to arm yourself with these camping tips for a safer trip:
- Make sure to include all the countries you’ll be visiting or travelling through on your policy as well as the adventure activities you’re planning.
- Check you have all the paperwork you’ll need for the countries you’ll be visiting for example, visas, and camping or visitor permits for national parks.
- Don’t leave home without your European Health Insurance Card (EHIC); it entitles you to reciprocal healthcare in certain countries.
- Check the local camping regulations for the places you are visiting. Some countries allow you to camp anywhere on public or private land away from habitation, however many countries do not allow this and if you cross a border unknowingly, you could be fined and it could affect your cover.
- Be responsible when choosing a camping destination or activity. Does it suit your experience level? Are there any travel or weather alerts for your destination? Are you using an accredited operator? Can our 24/7 Emergency Assistance team reach you if you get into trouble?
What's not covered?
Some things we do not cover include:
- Any expenses that relate to pre-existing medical conditions, as outlined in the Policy Wording.
- Unattended baggage or personal items.
- Any items left unattended in a motor vehicle.
- Working or participating professionally in any activity or sport.
- Any search or rescue operations to remove you from a life-threatening situation (unless cover is available for a natural catastrophe under your policy).
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties.
- Damage from any illegal activity.
- Expenses that are recoverable from elsewhere, e.g. transport carriers or accommodation providers.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of 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.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
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.
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)
True Claims Stories
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Camping
Simple and flexible travel insurance to take you camping around the world. Buy at home or while travelling, and claim online from anywhere in the world.
- As featured in:
As featured in:
World Nomads love camping
We get it. You want to escape from the hustle and unwind under a blanket of stars. From lush forests to the endless horizons of Australia’s Outback, a camping trip offers every manner of revival. As exciting as planning your outdoor adventure is, travelling far from home and urban comforts also comes with risks.
- What's covered for camping?
- Cover for adventure or sports activities while camping
- Know where you’re going and what to do if the unexpected happens
- What's not covered?
World Nomads Travel Insurance Standard and Explorer plans have been designed to offer cover for sudden and unforeseen events on your next camping trip such as being left empty handed when the airline loses your baggage (with your hiking gear in it), if you need to see a doctor if you are hurt or unwell or if severe weather washes away your travel plans.
Nothing soothes the soul like the crackle of a campfire. As passionate campers ourselves, we’ve designed our plans to cover all types of camping adventures:
- Searching for the Northern Lights in Lapland
- Pitching camp among the old growth forests of British Columbia
- Trekking through Cradle Mountain – St Clair National Park, Tasmania
What's covered for camping?
Our plans can help you navigate any mishaps and help get you back on track. World Nomads may offer cover (up to the policy limits) for:
- The non-refundable costs of cancelling your trip due to sudden injury or illness to you, a travelling companion or immediate relative.
- The Explorer Plan includes cover for official ‘Avoid All’ or 'All but Essential' advice issued for your destination after you’ve received your Certificate of Insurance, which causes you to cancel your trip.
- Overseas emergency medical expenses for sudden injury or illness.
- Overseas emergency medical evacuation or repatriation back to the UK.
- Loss, theft or damage to baggage or personal items. Remember to keep copies of your original receipts if you need to make a claim.
- Checked-in baggage delayed for more than 24 hours and the replacement costs for essential clothing and toiletries while waiting for your baggage (keep receipts).
Cover for adventure or sports activities while camping
What’s a camping trip without some action?
Both our plans offer cover for activities such as stand up paddle boarding/surfing and scuba diving up to 30 metres. You can also choose to upgrade your activity cover by paying an additional premium, here you can be covered for activities like hiking up to 6,000 metres and mountaineering (with ropes, picks and specialist climbing equipment on both Standard and Explorer plans.
The Explorer offers higher benefit limits along with some additional insured events.
Travel insurance tip: Your cover will depend on the activity(ies) you chose at the time of policy purchase and terms and conditions apply for each activity. Level 1 sports and activities are automatically covered on the Standard and Explorer Plans. You can upgrade your cover for a range of other activities, experiences and manual work if you select the activities (listed as Level 2, 3 and 4) but you will need to pay an additional premium.
Check your Policy Wording for details or contact us if you have questions.
Know where you’re going and what to do if the unexpected happens
Before you head off to the wilderness, it pays to arm yourself with these camping tips for a safer trip:
- Make sure to include all the countries you’ll be visiting or travelling through on your policy as well as the adventure activities you’re planning.
- Check you have all the paperwork you’ll need for the countries you’ll be visiting for example, visas, and camping or visitor permits for national parks.
- Don’t leave home without your GHIC (Global Health Insurance Card)
- Check the local camping regulations for the places you are visiting. Some countries allow you to camp anywhere on public or private land away from habitation, however many countries do not allow this and if you cross a border unknowingly, you could be fined and it could affect your cover.
- Be responsible when choosing a camping destination or activity. Does it suit your experience level? Are there any travel or weather alerts for your destination? Are you using an accredited operator? Can our 24/7 Emergency Medical Assistance team reach you if you get into trouble and require medical assistance?
What's not covered?
Some things we do not cover include:
- Any expenses that relate to pre-existing medical conditions, as outlined in the policy wording.
- Unattended baggage or personal items.
- Any items, clearly visible from the outside, left unattended in a motor vehicle.
- Working or participating professionally in any activity or sport.
- Any search or rescue operations to rescue you.
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties.
- Damage from any illegal activity.
- Expenses that are recoverable from elsewhere, e.g. transport carriers or accommodation providers.
This is not a full list of what’s covered and what’s not; please check your Policy Wording for a full list of 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.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
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
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly 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)
Travel Insurance while camping
Simple and flexible travel insurance to take you camping around the world. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
You want to escape from the hustle and unwind under a blanket of stars. We get it, we’re a community of adventure travelers, and sometimes getting off the beaten track is exactly what we need. From lush northern European forests to the endless horizons of Australia’s Outback, a camping trip offers the chance to get in touch with nature and explore a different side of travel. But as exciting as planning your outdoor adventure is, traveling far from home and urban comforts can also come with risks.
- What’s covered
- Cover for adventure or sport activities while camping
- Know where you’re going, and what to do if the unexpected happens
- What’s not covered?
World Nomads Travel Insurance Standard and Explorer plans offer cover for independent travelers like you for sudden and unforeseen events on your next camping trip, such as being left empty-handed when the airline loses your baggage (with your tent in it), if you need to see a doctor if you are hurt or unwell, or if severe weather washes away your travel plans.
What’s covered
World Nomads can offer cover (up to the policy limits) for:
- Baggage protection: Got your stuff stolen while camping? Our gear coverage may help with replacing belongings that were swiped.
- Emergency medical: Camping and fresh air can be great for the body and soul, but not if it ends up in a bad fall. Emergency medical coverage can come in handy in the case of an accident or injury.
- Evacuation: Your camping paradise may be far away from medical facilities. With our cover, you can get transported to the medical facility best for your care, subject to approval from us.
- Trip cancellation: Has a sick or injured traveling companion, or a severe weather event put a stop to your camping adventure? Depending on your plan and Country of Residence, you may be able to recover your travel expenses.
- Coverage for some Coronavirus (COVID-19) related events: To find out more, including benefit limits and exclusions, read our What’s Covered for Coronavirus article.
Your coverage will vary according to your country of residence and whether you chose a Standard or an Explorer plan. Read your policy for details on cover, maximum benefit limits, exclusions, and conditions of your coverage. Contact us if you have any questions about your cover.
Cover for adventure or sport activities while camping
It doesn’t matter if you’re camping in a van or hiking into a remote campsite – chances are you’re going to want to do some more adventuring wherever you’re headed.
Depending on your Country of Residence, and the plan you choose, you can be covered for several activities such as bungee jumping, kayaking, and scuba diving up to 30 meters. While there are many activities available on the Standard plan, those feeling extra adventurous can upgrade to the Explorer Plan. The Explorer plan offers upgrades for activities such as hiking up to 6,000 meters, or canyoning and scuba diving up to 50 meters.
Check your policy carefully for details or contact us if you have questions.
Know where you’re going, and what to do if the unexpected happens
Before you head off into the wilderness, it pays to arm yourself with these tips for a safer camping trip:
- Make sure to include all the countries you’ll be visiting or traveling through on your policy, as well as the adventure activities you’re planning to do or participate in.
- Check you have all the paperwork you’ll need for the countries you’ll be visiting, for example, visas, camping or visitor permits for national parks and campgrounds.
- Check the local camping regulations for the places you are going. Some countries allow you to camp anywhere on public or private land away from habitation; however, many countries do not allow this, and if you cross a border unknowingly, you could be fined, and it could affect your cover.
- Be responsible when choosing a camping destination or activity. Does it suit your experience? Are there any travel or weather alerts for your destination? Are you using an accredited operator? Can our 24/7 Emergency Assistance team reach you if you get into trouble?
What’s not covered?
Some things we may not cover include:
- If you refuse to be repatriated or evacuated.
- If you don’t follow your doctor’s instructions or what we or the 24/7 Emergency Assistance team advise you to do.
- Any expenses that relate to a pre-existing medical condition, as explained in the policy wording.
- Expenses that can be recovered from another source, e.g., transport carriers or accommodation providers.
- Unattended baggage or personal items.
- Any search or rescue operations to remove you from a life-threatening situation (unless covered by natural catastrophe).
- Misuse of alcohol or drugs to the extent that it risks your health or impairs your faculties.
This is not a full list of what’s covered and what’s not; please check your policy for a full list of 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.
Did you know travel insurance covers...
- Trip cancellation
- Emergency medical
- Evacuation and repatriation
- Lost or damaged gear
- Delayed baggage
- Death overseas
- Terrorism
- And more...
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
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly 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)
Travel Insurance for Europe
Learn why it’s smart for Americans to invest in travel insurance as they explore Europe’s cities, coasts, and mountains.
- 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.
At a glance:
- Travel insurance benefits for Europe may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across Europe (high-altitude hiking included)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Europe?
- Travel insurance for activities in Europe
- Travel insurance for medical emergencies in Europe
- Travel insurance for lost or stolen bags in Europe
- Travel insurance for theft in Europe
- Travel insurance for canceled, delayed, or interrupted travel in Europe
- Tips for traveling to Europe from the United States
Home to 44 countries, centuries-old cities, sweeping coasts, highland forests, and delectable cuisine, Europe offers an incredibly varied experience over a relatively compact space.
You can go dog-sledding in the Norwegian Arctic, learn how to cook traditional Italian dishes in Cinque Terre, journey into a dormant volcano in the Azores Islands, and explore the wild valleys of Albania’s newest park, Vjosa Wild River National Park. Festival goers can celebrate King’s Day in Amsterdam, toast with pints at Oktoberfest in Germany, and throw tomatoes at La Tomatina in Spain. Foodies can indulge cheese in France, find the best pasteis de nata in Portugal, and drink wine among rolling vineyards. It’s easy to see why Europe is so popular among Americans.
Whether you’re focusing on a single country or are planning to cross borders for a multi-destination excursion—by train or by car— you may want to consider travel insurance* for Europe to help you explore the wonders of this continent with ease.
Do I need travel insurance for Europe?
International travel can come with many surprises—such as finding a tiny winery in Tuscany that has been in the family for hundreds of years, or spotting the northern lights dancing through the night skies in Iceland.
Some surprises are not as great, though. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If Mount Etna on Sicily erupts, disrupting your travel plans or if you fall off your bike and get hurt while cycling through Slovenia, you may then wish that you had travel insurance for Europe.
World Nomads has four plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in Europe
Whether you’re planning to go explore Portugal by bike or surf in San Sebastian, World Nomads travel insurance covers Americans for over 250 activities. Rock climbing in the Dolomites, skiing in Andorra, and sailing around the Greek islands are all covered under travel insurance for Europe too.
Different plans cover different activities. Before you get a quote, it might be helpful to have a general idea of your itinerary in Europe. If you know what activities you have planned, you’ll be able to choose the right insurance plan for your trip.
For example, if you want to go sea kayaking in Croatia and mountain biking in Austria, you’ll be covered under all insurance plans, including the Standard Plan. If you’re itching to do some more daring winter adventures in Switzerland, such as backcountry alpine ski touring, or if you hope to run with the bulls in Pamplona, Spain, you’ll need to invest in the Explorer or the Epic Plan.
Travel insurance for medical emergencies in Europe
As prepared as you may be for your European vacation, sometimes the unexpected happens. You might be trying to catch a big wave in Nazare, Portugal, and hit your head on a rock and require immediate medical attention. Or you might twist your ankle while hiking through the storied forests of Bavaria.
In either case, emergency medical travel insurance may reimburse you for certain medical expenses. While the health care system in Europe is typically quite good, travel insurance for Europe can help you access and potentially be reimbursed for the care you need.
With over 200 languages spoken in Europe, you might find yourself in an area where English isn’t spoken. The 24/7 Emergency Assistance team will be able to help refer you to a place that offers the level of care that you need. They can also help communicate with your medical team if they don’t speak English.
If your attending physician (and the 24/7 Emergency Assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Europe may cover the costs to get you there.
To streamline your experience seeking medical treatment in Europe, we recommend signing up for our Portable Health Records service before your trip. This non-insurance service allows your documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or deal with a more serious injury, this service can expedite the process.
Travel insurance for lost or stolen bags in Europe
Lost bags are never something we plan for, but unfortunately, they get lost from time to time. You may have packed your favorite swimsuit and sundress for your Italian summer vacation or all your snow gear for a ski trip to the Bavarian Alps. If you land at the airport and then realize that the airline lost your bag, your travel insurance for Europe may reimburse you for the cost of replacing your belongings.
If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Travel insurance for theft in Europe
As a whole, Europe is pretty safe, although some cities like Paris, Barcelona, and Rome experience petty theft and pickpocketing. Be aware of your belongings in crowded areas, including major tourist spots or while riding the metro—and read up on some tips for avoiding pickpockets.
If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim for those stolen goods.
Travel insurance for canceled, delayed, or interrupted travel in Europe
You may have planned the perfect European getaway, but things happen that may cause you to cancel, interrupt, or delay your trip. Travel insurance for Europe may be able to recover your unused, prepaid, non-refundable travel expenses. Remember- travel insurance does not cover everything. The insurance plan will outline the covered risks for trip cancelation, trip interruption, and trip delay.
If you get sick before leaving the US and your doctor tells you not to travel at that time, you could be forced to cancel your trip. Or, if an immediate family member back home has an unexpected medical emergency while you’re on your adventure, you may need to go back to the United States early. Travel insurance for Europe may help you cover those costs.
From flooding to forest fires, nature can be unpredictable, and it is possible for natural disasters to affect your trip. Volcanoes on Iceland’s Reykjanes Peninsula have been particularly active recently. If an eruption causes flight problems that prevent you from getting to your destination as planned, your trip may be interrupted or delayed. Travel insurance for Europe can help reimburse you for non-refundable, pre-paid accommodation, and activities.
If you purchase the Explorer and Epic Plan during the time sensitive period, the plans also may cover various travel inconveniences you may encounter on your European getaway. For example, if you planned a ski vacation to Norway, but the resort lacks snow and closes when you are already there, you may be eligible for coverage. Or if your rental car broke down on a road trip through the mountains and villages of Transylvania, Romania and you arrived more than 12 hours late at your destination, you may also be eligible for coverage.
Tips for traveling to Europe from the United States
Before you leave the US, we encourage you to check out the US government’s travel advisories for all the countries you’re planning on visiting. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for Europe, it’s a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
You’ll potentially be traveling across several countries using different languages, driving laws, and customs. Learn a few phrases and do some research on each destination to know what to expect from place-to-place.
Much of Europe is well-connected by trains, which is both a convenient and wonderful way to travel slowly through Europe and watch the scenery pass by. As you’re preparing for your adventure, brush up on our safety tips for Europe and our favorite destinations to explore on this continent.
*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 claim
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. As luck would have it, I had a fracture that required surgery. I got a flight home the next day. Filing a claim was surprisingly easy. 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.
U.S resident in Spain
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?
- Need a hospital?
- 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
- 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
- Damaged luggage
- Checked-in sports equipment
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance Cover for COVID-19 Related Events
Find out what cover is provided if Coronavirus (COVID-19) affects your travel plans
- As featured in:
As featured in:
For information relating to policies purchased prior to 14 July 2021 12:00am UTC, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 14 July 2021 please see below.
We know that many of our international travelers can’t wait to travel again even though they’re having to take added precautions as coronavirus (COVID-19) continues to disrupt global travel plans. World Nomads wants to help you travel with confidence, so we’ve added some COVID-19 cover to our insurance plans.
All our travel insurance plans purchased from 14 July 2021 include emergency medical and repatriation cover if you get sick with COVID-19 while abroad. Our Explorer plans also offer cover for some COVID-19-related events. Benefit limits, conditions and exclusions apply, and cover varies depending on your Country of Residence and the plan you chose.
World Nomads international travel insurance for some COVID-19 events on our plans
- Our Standard and Explorer plans offer cover for emergency medical assistance if you get sick with COVID-19 overseas. Cover includes medical assistance, repatriation and hospitalization benefits.
- Our Explorer Plan also offers cover for some COVID-19-related events such as cancellation, trip interruption expenses and some quarantine costs if you are diagnosed with COVID-19, as well as additional benefits for healthcare workers, residential care workers and law enforcement officers who have their pre-arranged leave cancelled by their employer due to COVID-19.
Benefit limits apply and vary between plans. Exclusions also apply for pre-existing medical conditions, as outlined in the policy wording.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Coronavirus Travel Costs Note: This section has its own benefit limits which apply. Check your policy wording for full details or have a look at our Coronavirus Travel Costs article which has all of the details, including benefit limits, conditions and exclusions. |
NA | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself or a member of your traveling party being diagnosed with COVID-19 by a medical practitioner, or if your close relative back home is hospitalized or dies due to COVID-19, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis, you are medically unfit to continue with your original travel plans. Due to exclusions for pre-existing medical conditions (as defined in the policy wording), the symptoms experienced and the diagnosis of COVID-19 must first occur after the policy purchase.
- Don’t delay in the cancellation of your plans to maximize the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and, wherever possible, request written reports from providers or local authorities.
- Follow the local advice, including warnings issued by the US Department of State as required by your policy wording - different countries have different rules. What’s okay in your country of residence may not be okay in the countries you plan to visit. While some countries may be more relaxed in their COVID-19 protocols, some others may be very strict in who they allow to enter.
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.
How to get medical assistance
Contact our 24/7 Emergency Assistance teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and traveling companion details for where you are now
- The nature of your problem
- Your location
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, iPhone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- 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?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team