1. Seek medical attention

Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible.

• If it's an emergency situation, contact the local emergency services first, then contact our 24/7 Emergency Assistance Team as soon as you can.
• If it’s not an emergency situation, call our Emergency Assistance Team if you need directions to an appropriate medical facility.

Depending on where you’re from and where you are, there may be Reciprocal Health Care Agreements in place (the Emergency Assistance team will let you know) but either way, take advantage of the public health system where possible.

2. Get it in writing

Most claims need supporting documentation and medical claims are no different. So while it may be the last thing on your mind, do try and get copies of documents that will support your claim before you leave the medical facility such as:

• Doctor or other medical practitioner’s report confirming your illness.
• Hospital Admission report, if you’re admitted to hospital.
• Ambulance and Medical evacuation reports if relevant.

In some cases, we may need to obtain your past medical history from your usual doctor at home but we’ll let you know if this is the case.

3. Keep your receipts

You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.

4. Need to know more?

Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence and the plan you choosebuy. Your policy will always have the full details.

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

Chegar a uma cidade longe de casa depois de uma viagem muitas vezes cansativa sempre gera expectativas. A última coisa que você deseja é que as expectativas se transformem em ansiedade ao descobrir que sua bagagem não chegou com você. Mas seu Seguro Viagem pode ajudar. Saiba o que fazer:  

1. Comunique imediatamente a empresa de transporte

Quando você perceber que houve atraso na entrega da sua bagagem, notifique a empresa de transporte (por exemplo: companhia aérea) o mais rápido possível. Em caso de atraso prolongado, você poderá solicitar à empresa a compensação e a reposição de itens essenciais que você necessitar enquanto estiver esperando pelo retorno da sua bagagem.

2. Solicite um relatório por escrito

Solicite à empresa de transporte um Relatório de Irregularidade de Pertences confirmando o atraso da bagagem e se aplicável, a descrição das compensações oferecidas a você.

3. Guarde seus recibos

Guarde todos os recibos e notas fiscais de itens essenciais que você tenha comprado como, por exemplo, escova de dentes, medicamentos de uso contínuo, roupas, etc.

Antes de você comprar um guarda-roupa inteiro para repor seu jeans daquela grife famosa ou seu vestido de festa novo, porque você acredita que “tudo que você possui em sua mala é essencial”, lembre-se de que há limites para a cobertura que seu Seguro Viagem oferece.

Sempre verifique cuidadosamente o que está descrito na cobertura contratada ou entre em contato conosco (Sim, nós já recebemos solicitações de reembolso para esse tipo de item!).

Importante: Notas fiscais originais serão necessárias caso você pretenda solicitar reembolso e seu plano ofereça cobertura para esses tipos de gastos.

4. Obtenha outro relatório confirmando a duração do atraso

Quando você receber sua bagagem, solicite à empresa de transporte um relatório por escrito confirmando a duração do atraso. Se o seu plano cobre atraso de bagagem, poderá estar descrito na sua apólice o tempo específico de espera até que seja considerado como atraso de bagagem, para que valores gastos possam ser reembolsados.

Por isso, é importante saber por quanto tempo você teve que esperar até receber sua bagagem. Por exemplo: a cobertura pode variar se suas malas demorarem algumas horas em comparação com alguns dias.

5. Precisa de mais informações?

Nossas sugestões deverm ajudar você se algo der errado e você desejar solicitar reembolso. As coberturas do seguro viagem são diferentes e a sua pode variar dependendo do evento ocorrido e do plano que você escolheu. No Manual do Segurado você sempre encontrará as informações completas sobre a sua cobertura.

Em caso de dúvidas sobre as coberturas, risco e exclusões entre em contato conosco.

1. Report it to your carrier straight away

Once you realise your luggage is delayed, report it to the carrier (e.g. airline, tour operator) straight away. For lengthy delays, you should ask them to compensate you to replace essential items you may need while you wait for your bags to be returned.

2. Get a written report

Get a written Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they offer to you.

3. Keep your receipts

Keep the receipts for any essential items you buy like toothbrushes, prescription medication or a change of clothes.

Before you go shopping for an entire new wardrobe to replace your designer jeans or a new ballgown for that special event, because you believe everything you own is "essential", there will be limits on what your policy can and can not cover, so check your policy wording carefully or contact us (Yes, we've seen claims like this!)

Original receipts may be necessary if you intend to make a claim and your policy covers these expenses.

4. Get another report confirming the length of the delay

Once you get your luggage, get written confirmation from the carrier confirming how long it was delayed. If baggage delay is covered under your policy, there may be specific time periods that your bags are delayed before the policy can help reimburse you for extra expenses, so it’s important we know how long you were inconvenienced. For example: cover may vary if your bags were delayed for a few hours compared to a few days.

5. Need to know more?

Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy wording will always have the full terms, conditions and exclusions that apply.

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

Broken or chipped teeth can happen at any time. It can be seeded bread in Berlin, olives in Athens or dried fish in Krasnodar. If pain suddenly strikes, World Nomads travel insurance can cover the emergency dental treatment you need to get relief so you can keep traveling.

What does travel insurance cover for overseas dental? 

If you have to see a dentist while traveling for the immediate relief of sudden pain to healthy, natural teeth you can be covered if:

• You get an unexpected infection.
• You've broken your tooth.
• You injure your mouth or jaw in an accident.
• Your pre-existing condition leads to a clinical emergency.

Not all of our policies are the same. Limits, terms and conditions of cover vary depending on the policy you buy and your past dental history.

What’s not covered

Travel insurance isn’t designed to cover everything. Terms, conditions and exclusions apply, so be sure to read your full policy wording to avoid surprises. Here are the main things that aren't covered:

• General check-ups.
• Getting your teeth straightened in Thailand.
• New teeth or fillings following pain relieving treatment.
• Major dental work, such as crowns, dentures, bridges and implants.
• If you've bought a policy after the pain has set in.
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).

If you purchase your policy after you’ve already left your home country, there is a 72 hour waiting period before cover begins.

This is not a full list of what's covered and what's not covered. It is important that you read and understand your policy before you travel as your coverage is subject to certain limitations and exclusions.

Serious accidents or illnesses can strike at any time, whether you’re trekking through the Eurasian Steppe or (not so) simply crossing the road in Vietnam. Travel insurance can help if you’re unexpectedly seriously ill or injured and it’s medically necessary for you to return home.

Medical repatriation can be extremely expensive, depending on where you are, and the amount of medical support you might need. World Nomads emergency repatriation insurance may cover your return home. Our expert 24/7 Emergency Assistance Teams can help you negotiate the complexities of hospitals, specialist transportation, airline approvals and medical escorts in a foreign country.

If you need medical repatriation, then it's really important that you (or someone else if you can't), contact our Emergency Assistance Team as soon as possible to advise us of the situation. If your treating doctor and the World Nomads medical team agree it’s necessary to bring you home for treatment or ongoing care.

How it works

Your repatriation must be proven to be medically necessary and due to a covered personal accident or illness. If you purchase your policy after you’ve already left your home country, there is a 72 hour waiting period before cover begins (except for events arising from personal accidents).

All cover ends on disembarkation in your country of residence. Your return ticket/s must be used, negotiated or offset with the repatriation costs. If it’s necessary to cancel the initial tickets, the reimbursement value will be deducted from the claim payable.

In the case of a motor vehicle accident, there is no cover for the return the vehicle to the provider or their place of hire.

What’s covered

After World Nomads and your local doctor have given you the go-ahead to return home, then we may cover:

• Repatriation to your country of residence.
• Organization costs at embarkation and disembarkation.
• Medically necessary transport, equipment and accompanying medic or nurse.

What's not covered

Travel insurance isn't designed to cover everything. Terms, conditions, and exclusions do apply, so be sure to read your full policy wording to avoid surprises. Here are the main things that aren't covered:

• Cover ends if you refuse to follow the advice of our medical team.
• Medical assistance expenses that occur before your repatriation.
• Any unnecessary upgrades or other non-cost-effective options to return you home.
• Any accidents that are a result of irresponsible or risky behavior.
• Any incidents related to the intake of alcohol or drugs.

This is not a full list of what's covered and what's not covered. It is important that you read and understand your policy before you travel as your coverage is subject to certain limitations and exclusions.

• Report the delay to your carrier immediately
• Obtain receipts for any purchasey
• Obtain a final report
• Need to know more?
• Does my insurance cover my tech?

1. Report the delay to your carrier immediately

Once you realise your baggage has been delayed, speak with a representative from your carrier (usually your airline) to report the delay. Ask them for a Property Irregularity Report (PIR) or another official document. The report should state the reason for the delay as well as the date and time that your luggage is estimated to arrive.

Ask the carrier for some financial assistance to help you buy some everyday items such as toothpaste, deodorant or new underwear while you wait for your bags. If they refuse your request, then ask them to put the reason for their denial in writing to you. You must include this letter or report with your other documentation when submitting your claim for essential items.

2. Obtain receipts for any purchases

If you need to buy a few essentials to make life more comfortable until your bags arrive, then you’ll need to keep copies of your receipts should you wish to claim for these expenses.

Cover for essential items is only offered to travellers whose luggage is delayed for at least 12 hours after their scheduled arrival. If your luggage is returned to you within 12 hours of arriving, you can't claim for essential items.

Therefore, only receipts showing a date and time which is at least 12 hours after your scheduled arrival, and before the delivery time of your luggage, will be covered.

3. Obtain a final report

After you get your bags, ask your carrier for another report stating the reason for the delay, the length of the delay, as well as the date and time the luggage was returned to you.

A few points to consider if you wish to claim for essential items

Before you rush out to your favourite designer’s shop to buy this season’s must-haves, please remember that only reasonably necessary items may be covered under our policies. Some examples could include toiletries, prescription medications or new underwear.

These are items to help you stay clean, fresh, and comfortable until your baggage is returned to you.

There is no cover for essential items if your luggage is delayed on your return home to Australia.

Both our Standard and Explorer plans have different daily limits of cover. Please read through your PDS to make sure you’re aware of the limits, benefits and exclusions that relate to your policy.

4. Need to know more?

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

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

Does my insurance cover my tech?

How may the Coronavirus impact your travel plans?

New cases of Coronavirus (COVID-19) continue to be diagnosed around the world. If you are planning on traveling overseas, please be aware that many countries are restricting or banning travel.

• I’m concerned about how Coronavirus may affect my travel plans. What do I do?
• Experiencing a medical emergency?
• What to do if there are cases of COVID-19 in countries that you’re traveling in
• Am I covered if my next trip is affected by COVID-19?
• Things to look out for when purchasing travel insurance:

If you are planning on traveling or transiting through any countries internationally, please check any travel advices issued by your Country of Residence and monitor the situation through local and international media as it may affect your travel insurance policy.

Helpful links:

• US Department of State Advice
• UK Foreign, Commonwealth Development Office
• Irish Department of Foreign Affairs
• Government of Canada
• Health Canada
• Australian Government Smart Traveller
• NZ Ministry of Foreign Affairs and Trade

You can also read more about how COVID-19 might affect your travel insurance policy in our Recent Events update (Select your Country of Residence) on COVID-19, or our latest safety information on it.   

You can also read more about how COVID-19 might affect your travel insurance policy in our Recent Events update (Select your Country of Residence) on COVID-19, or our latest safety information on it.

I’m concerned about how Coronavirus may affect my travel plans. What do I do?

• Contact your airline, cruise or tour operator to check if tourist services are affected or if you need to change your travel arrangements. Always contact your airline, cruise company or travel agent for assistance in the first instance.
• Refer to your policy wording for more detail or contact our Customer Service Centre to discuss your plans before making any changes. All policy terms, conditions, limitations and exclusions apply.
• Ill with COVID just before traveling? Unsure if you are covered for trip cancellation because of COVID? Contact us as soon as possible. Our Explorer Plan offers cover for some coronavirus related events such as cancellation, trip interruption expenses and some quarantine costs. Cover depends on your Country of Residence, and which plan you’ve selected.
• In the event of a claim covered by your policy, you must do everything you can to minimize and reduce the cost of the claim and provide all supporting documentation of the event and expenses incurred. If you intend to submit a claim, please complete the claim form and if you need help doing this, contact us.

Experiencing a medical emergency?

If you're experiencing a medical emergency and need medical help, contact our 24/7 Emergency Assistance Team who can help direct you to medical help, and if necessary, work with local authorities to repatriate you home, subject to the terms and conditions of your policy.

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

What to do if there are cases of COVID-19 in countries that you’re traveling in

• Get an international COVID-19 vaccination certificate.
• Organise any documentation your destination needs, such as COVID-19 entry declarations.
• If your destination or airline needs evidence of a negative COVID-19 test result, book a COVID-19 test. Make sure to check the test types accepted and timeframes they need the test done within, and plan ahead.
• All travelers should follow local authorities’ advice, check COVID -19 travel alerts, as well as the World Health Organization (WHO) advice and keep updated via local media and reports on what is happening.
• We recommend that you avoid all high-risk areas where there are large crowds of people and in particular avoid farms, live animal and seafood markets, and areas where animals are slaughtered, including avoiding contact with animal secretions or droppings.
• Use hand sanitizer and wash your hands regularly with soap and water.
• Consider purchasing a face mask for your travel as it may help reduce your risk of exposure to COVID-19.
• Contact your airline or travel company for information about changes to flight services.

If you have any additional questions, you can contact us.

Am I covered if my next trip is affected by COVID-19?

The level of coverage you’ll have for any Coronavirus related events under our Standard and Explorer plans will depend on your Country of Residence. If you are diagnosed with COVID-19 while overseas, your benefits may include:

• 24/7 access to our Emergency Assistance Team, who can help you access local medical care.
• Medical costs including hospitalization.
• Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.

Some of our Explorer plans also offer coverage for some additional Coronavirus-related events such as cancellation following a diagnosis to assist our travelers.

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

Note: don't forget to read the policy wording when you hit the quote button as all plans are different – don't just assume you are covered in every situation, as terms and conditions, benefit limits, and exclusions may apply.

Things to look out for when purchasing travel insurance:

• Make sure you correctly choose the right trip dates, age limit, and level of cover.
• Ensure all your destinations are covered.
• Make sure you understand what a pre-existing medical condition is under our policy.
• Some activities and sports may require extra level of cover or may not be covered.
• Make sure you clearly understand the benefit limits and the excess as per the level of cover you’ve selected.
• Understand that there will be General Exclusions in your cover for which you won’t be covered under any circumstances.
• Make copies of travel documents and keep receipts in case you need to make a claim.

Need more info?

For more information on planning ahead and safeguarding your trip against Coronavirus check out the following articles:

• Travel tips for the COVID-19 era
• How the COVID-19 vaccine could impact your travel plans
• Tourist Visas
• Our latest worldwide Travel Alerts

Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy 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.