Get a Travel Insurance quote
Simple and Flexible Travel Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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How do I get a travel insurance quote?
Get a Travel Insurance quote
Simple and Flexible Travel Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
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How do I get a travel insurance quote?
We are World Nomads
Travel insurance, inspiration and opportunities to help you fuel your curiosity, find your journey and travel bravely.
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Good news, travel insurance just got up to 15% cheaper*.
No promo, no countdown. Just lower prices on the cover you need for your next adventure.
Get a quoteExplore your boundaries with World Nomads
Stay safe and informed, before, during and after your trip with our expert advice and flexible travel insurance.
Make a difference
Give back to the places that you travel to. Make a micro-donation when you buy with us to help change lives.
85% of our travelers give back when they travel.
Make a difference to those communities in need in a simple, easy and transparent way when you travel.
How it worksSeek experiences
Our community of locals and travelers share their advice and adventures to help you find inspiration and research your next destination.
Explore your world
Start planning your next trip with experiences, tips and travel guides from other nomads.
Discover destinations and activities
Travel stories
Feed your curiosity with first-hand accounts of discovery, connection and transformation.
Read the latest stories from the road
Learn new skills
Improve your creative skills, learn how to capture meaningful travel stories and go on global storytelling assignments.
Become a better storyteller
Take your passion for travel writing, photography or filmmaking to the next level.
Get pro tips, techniques and advice
Creative scholarships for travelers
Go on the learning experience of a lifetime and be mentored by pro writers, photographers and filmmakers.
Apply for a fully-funded field assignment
Travel Insurance for Digital Nomads
Essential coverage for your gadgets, health, and unexpected incidents for Americans while traveling with World Nomads.
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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.
- Does World Nomads travel insurance cover my tech?
- Can I get medical coverage as part of my travel insurance plan for digital nomads?
- What's not covered by travel insurance for digital nomads?
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. How about a lunchtime surf lesson? Yes, please! These days, you can work from just about anywhere in the world with a strong WiFi connection. For good reason, an increasing amount of people are becoming digital nomads. If you are thinking about jumping on this trend, you may want to consider what happens if something unexpected pops up like a jellyfish sting or beach-side theft.
World Nomads’ travel insurance plans* are great for digital nomads and are designed to adapt to the choice and flexibility of your lifestyle on the road, beach, trail or mountain-side hut. Coverage is available for Americans on international trips or for domestic trips at least 100 miles away from home.
Does travel insurance for digital nomads cover my tech?
In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. Whether you’re plugging into your social network or updating your blog in a hub, our plans may provide cover for your personal laptop, smart phones and other devices that you take with you on your trip. Our travel insurance plans are designed with digital nomads in mind.
Our plans are designed to provide cover for your baggage and personal effects, including electronic devices, personal computers, and cameras. Note though that our plans provide cover for your personal electronics that you own and take with you on your trip; we will not cover your professional gear that is owned by someone other than yourself or used for professional purposes.
The benefit limits available under our plans will depend on the plan you have selected. Our Single-Trip and Annual plans offer different per-item and total limits. The plans may offer coverage if:
- Your gear is stolen, provided you have taken all reasonable measures to protect and recover your property.
- Your electronics are lost or damaged by a common carrier (an airline, for example).
If your checked baggage is lost or delayed by an airline, our partnership with non-insurance service Blue Ribbon Bags can help with a prompt recovery. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide Blue Ribbon Bags with the file reference, record locator number, and Property Irregularity Report.
Note: Depreciation and wear and tear will be considered when calculating the value of your electronic items.
Can I get medical coverage as part of my travel insurance plan for digital nomads?
Another important consideration for traveling for extended periods is medical coverage. What should you do if you get into an accident or get terribly sick?
First things first. You shouldn’t think of travel insurance as a replacement for a health care plan that you would purchase at home — or depend on the charity of another country to pick up your medical bills. Travel insurance won’t pay for everyday or preventative care, such as allergy medications, birth control pills, nutritional consultations or the CBD cream that could relieve the back pain that’s been nagging you for years. But a snake bite, bout with food poisoning or ski accident? You can count on World Nomads plans to come in handy during medical emergencies — and that includes evacuation when you need to get to a hospital urgently or back to the United States for care. Travel insurance is designed to cover losses from unforeseen and emergency circumstances only.
When you’re far from home, the last thing you want to do is to face a crisis alone. Don’t forget about the 24/7 Emergency Assistance team. You should contact us when you find yourself in an urgent situation. Besides offering hospital and physician referrals (we vet our providers very carefully), the team can provide other methods of support, such as notifying your family or even arranging food delivery to your hospital room.
What's not covered by travel insurance for digital nomads?
When it comes to baggage and personal belongings, the following exclusions apply:
- When you leave your personal belongings behind in an unsupervised place (this includes your car).
- Gear or equipment that you use for professional purposes.
- Electronic malfunctions (You'll have to hit up the manufacturer).
- When you fail to file a loss or theft report with the local authorities or the representative of the venue where it took place, such as a common carrier, tour operator or other travel provider.
- Items that you can’t prove you own (for example, you don’t have a record of their purchase).
For emergency medical treatment and evacuation, coverage is not provided for:
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
- A non-emergency treatment or surgery, such as routine physical examinations (it’s not regular health insurance; it’s for medical emergencies).
- Pregnancy and childbirth (except for complications of pregnancy).
Tips for digital nomads
- Find and scan your receipts before your leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police within 24 hours.
- If you’ve got a handset or tablet that can be blocked, block it.
- Make a claim within seven days; submit documentation within 90 days.
Bumpy Ride in India
On an overnight train from Mumbai to Jodhpur in India, I had the top sleeper berth. It was a very bumpy ride, and my tote bag tipped over while I was sleeping. I got woken up by the sound of my camera hitting the floor. When I picked it up, the display screen on the back of the camera was grey/black and hasn't worked since.
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 teamFAQ
Here are our most frequently asked questions about tech gear coverage for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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If my electronics have an expired warranty, can I make a claim if they malfunction?
Our policies don’t include coverage for device malfunction or wear or tear.
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How do my items get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim to the item’s current price, not original retail price. If you have the receipts, your items will be reduced in value by 10% percent for each year from the purchase date.
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Why won’t you cover my tech devices if they’re checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don’t have receipts for all of my items?
You can file a claim but still need to show proof of ownership. Read our Help Center article for more info on what to do if you don’t have documentation.
Compare Travel Insurance.
Find the best travel insurance for your trip.
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Taking the time to compare travel insurance policies can be the difference between making sure you get help when you need it most… or being left uncovered. That’s why World Nomads has made comparing our travel insurance simple, so you can see at a glance what is and isn’t covered.
Getting it wrong can mean not being able to replace your lost baggage, or shelling out for ski hire when yours fails to arrive off the luggage conveyer belt.
How do I compare travel insurance policies?
You must make sure the policy you select will adequately cover you, so we suggest the best starting point is determining:
- What you are planning on doing
- Where you are going
- How long you’ll be gone for
Once you’ve done that, the next step is to consider the level of cover you’ll need and what you’ll need coverage for. To help you, the claims we most often see are:
- Overseas medical
- Baggage
- Cancellation
The other must have is 24/7 worldwide emergency assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family.
Which travel insurance policy do I need?
To compare travel insurance policies just enter a few details online about yourself and you'll be able to compare our Standard and Explorer options, their benefits, and how much you’re covered for.
This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.
Pulmonary Embolism.
Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
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 teamCompare travel insurance
Find the travel insurance plan that suits you on your next trip
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Taking the time to compare travel insurance policies can be the difference between making sure you get help when you need it most… or being left uncovered. That’s why World Nomads has made comparing our travel insurance simple, so you can see at a glance what is and isn’t covered.
Getting it wrong can mean not being able to replace your lost baggage, or shelling out for ski hire when yours ski gear fails to arrive off the luggage conveyer belt.
How do I compare travel insurance policies?
You must make sure the policy you select will adequately cover you, so we suggest the best starting point is determining:
- What you are planning on doing
- Where you are going
- How long you’ll be gone for
Once you’ve done that, the next step is to consider the level of cover you’ll need and what you’ll need coverage for. To help you, the claims we most often see are:
- Overseas medical
- Baggage
- Cancellation
We believe the other must have is 24/7 worldwide emergency assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family.
Which travel insurance policy do I need?
To compare travel insurance policies just enter a few details online about yourself and you'll be able to compare our Standard and Explorer options, their benefits, and how much you’re covered for.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Pulmonary Embolism.
Just wanted to say thank you to this wonderful insurance company. When my husband notified the company that I had suffered a life threatening pulmonary embolism, World Nomads took care of everything. They contacted the hospital immediately and checked on my situation, A wonderful nurse called me everyday, speaking to doctors and making sure I understood what had happened and the course of my treatment. I would recommend World Nomads to every traveler. We are still travelling and until we return home will continue to insure with them.
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 teamCompare Travel Insurance Plans
Easy comparison for US residents: emergency medical, baggage, and trip cancellation coverage.
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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.
- How do I compare travel insurance plans?
- Which travel insurance plan do I need?
- What does travel insurance not cover?
Taking the time to compare travel insurance* plans can be the difference between getting help when you need it most or being left without adequate coverage. That’s why World Nomads has made it easy to compare travel insurance online, so you can quickly see what is and isn’t covered.
Just buying the cheapest travel insurance plan without reading the details could mean shelling out for ski rentals when your skis or snowboard fails to arrive off the luggage conveyer belt or getting stuck with unexpected medical bills if you have been in an accident.
How do I compare travel insurance plans?
It’s important to make sure the plan you select will adequately cover your needs, as you will not be able to add coverage post-purchase. We suggest the best starting point is to consider:
- What are you planning on doing?
- Where are you going?
- How long will you be gone?
- What activities do you plan on participating in while you’re traveling?
- How much money did you invest in the trip?
Once you’ve done that, the next step is to consider the level of coverage you’ll need and what you’ll need coverage for. To help you out and provide some context, the claims we most often see are for:
Another important consideration is 24/7 Emergency Assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family.
Our emergency assistance teams can help you locate a doctor who speaks your language, coordinate your emergency treatment plans, and even arrange for your emergency evacuation and repatriation back home in a worst-case scenario.
We also cover over 250 adventure activities and offer cancel-for-any-reason coverage (depending on the plan you choose). And if you decide to travel longer, World Nomads lets you buy more coverage on the road.
Which travel insurance plan do I need?
Only you can decide the best travel insurance plan for you. Whether you are traveling domestically or internationally, our website makes it easy to compare prices and benefits.
To get a quote, just enter a few details about your trip and you'll be able to compare our Standard, Explorer, Epic or Annual plans, benefits, and how much you’re covered for. These plans cover different activities and have different coverage limits so read them carefully. You can also download and read the full plan wording before you buy. You can’t upgrade your coverage after you purchase a plan, so it’s important to get this right on the first go.
World Nomads plans offer coverage for up to 180 days at a time with the Standard, Explorer, and Epic plans. And if you plan to take numerous trips during the year, then the Annual Plan could be best for you. It has a maximum trip length of 45 days.
What does travel insurance not cover?
While we want to cover you for as many scenarios as possible, we can’t cover everything. Here are a few situations we don’t cover:
- Cancelling your trip due to fear of travel or just changing your mind (unless you purchased the cancel-for-any-reason add-on benefit).
- Anything illegal (we can’t bail you out or pay for your lawyer).
- If you've taken drugs or overindulged in alcohol and then got into an accident.
- Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for medical emergencies).
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase.
*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.
Flooded guestroom
While living on the third floor of a guesthouse in Cambodia, I woke up in the middle of the night to use the bathroom and discovered that there was about 5 inches of water on my room floor. It turns out a pipe had burst and the water was seeping out of the walls. Unfortunately, my suitcases were under my bed, so everything in them got soaked- including my camera. Although I tried to reverse the water damage by putting my camera in a pot of rice for 24 hours, it did not help and now my camera will not function.
SH US Nomad in Cambodia
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need drugs 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 Medical Repatriation
When your illness or injury stops you in your tracks and you have to get home for treatment.
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Serious accidents or illnesses can happen at any time during your trip, whether you’re trekking through the Eurasian Steppe or (not so) simply crossing the road in Vietnam. And if it’s bad enough to end your trip mid-way or if our medical teams recommend you return home for treatment, our repatriation cover can help get you home as safely as possible.
The cost of medical evacuations can vary, depending on a number of circumstances, including the remoteness of the location from which the evacuation might occur, as well as the type of medical care required for injuries or illnesses incurred. That's what our emergency medical, evacuation and repatriation insurance in all of our plans is designed to cover.
Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our Emergency Medical Assistance team until you no longer require treatment or assistance.
Our 24/7 Emergency Medical Assistance teams are trained to help in these situations, negotiating the complexities of hospitals, specialist transportation, airline approvals and medical escorts so you (and your family) can focus on your recovery.
How World Nomads travel insurance can get you home
Travel insurance is made to cover emergency treatment overseas and, if necessary, cover to rearrange your initial travel plans or for specialist medical transportation to get you home. If our medical teams believe it’s necessary to bring you home for treatment or ongoing care, there’s cover in all of our policies for:
- Air Ambulance
- Sea Level Aircraft
- Ground Ambulance
- Flight changes, upgrades or just more space
- Flight upgrade + medical staff.
Please note that cover is up to the amount shown in your Policy Wording and is subject to our Emergency Medical Assistance team or us, on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that:
- Transportation is medically necessary; and
- The style and timing of the transportation are reasonable and appropriate; and
- You're medically fit to be evacuated; and
- You should be transferred to the United Kingdom.
World Nomads offers benefits for medical issues related to Coronavirus (COVID-19) under the 'Emergency Medical Expenses & Medical Repatriation' section. If you are diagnosed with COVID-19 while overseas and it’s not considered a ‘pre-existing medical condition’ under our policy your benefits include evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus which has all of the details, including benefit limits and exclusions.
I need help now – what do I do?
The first step when you have been admitted as an inpatient for at least one night is to contact us as soon as possible (or get someone else to do so on your behalf). Our 24/7 Emergency Medical Assistance team can make arrangements and get pre-authorisation for your repatriation home if it's required. Our doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers get home safely to fully recover.
What's not covered by World Nomads travel insurance
Travel insurance isn’t designed to cover everything. There are some cases where it's just not possible to provide cover:
- Flight upgrades, new flights or changes without our approval (or where it's not medically necessary).
- When you refuse to return home for treatment.
- Changing your mind to not continue your trip, even if you're fit to travel.
- Medical expenses once you're back in your home country.
- A joy flight to get down off the mountain after you've reached Base Camp.
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our article on medical transport and repatriation
The policy isn’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 there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Get a quote today.
How to get medical assistance.
It’s essential that you get in contact with our Emergency Medical Assistance teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Medical Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Abdominal pain in Myanmar
On my second day in Burma, I woke up in the middle of the night with intense abdominal distress. I was rushed to the Asia Royal Hospital and immediately taken for evaluation and an ultrasound. I had a large mass in my abdomen and evacuated to Bangkok that evening to see a specialist. I was admitted to Bumrungrad International Hospital, where I stayed for eight days for a battery of tests, including several ultrasounds, a CT scan, and two aspirations of what turned out to be a renal cyst. After a conditional discharge, where I was restricted to rest, I was deemed stable enough to be evacuated. Two days later I was on a flight back to the U.S., where I am now continuing treatment.
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?
- 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. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Can my mum (or other family member) come and get me?
Yes, in some situations we can send your mum or a close family member over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
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Can I choose the sex of my nurse or doctor?
You can ask and we'll see what we can do.
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What if I'm on really heavy drugs as pain killers while I'm coming home? Will I be allowed to transit in all countries?
There are some countries which will not allow you to enter (even transit) with certain medication and in these cases we will either reroute you or discuss with your treating doctor on alternate pain killers.
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What happens if I’m on life support?
That’s a really bad way to end your holiday, and we hope you never end up on life support. But if you do, we will look at every situation on a case-by-case basis and will try to find the best possible solution.
Travel Insurance for Stolen or Lost Passports
How travel insurance could help if your passport is stolen or lost while traveling.
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For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This content is for New Zealand travellers.
It's just about the ultimate travel nightmare. You reach for your passport... and it's gone! It happens a lot. Sometimes it's a deliberately targeted item, sometimes it's just something in a bag that got snatched. Either way, you need help, and quickly.
What does travel insurance cover if my passport is stolen?
After you've spoken to the New Zealand Ministry of Foreign Affairs and Trade (MFAT) to notify them that the passport's been stolen, lost or damaged, you'll probably need to make your way to the nearest consulate or embassy.
Keep your receipt for that taxi fare – you can claim it. Worst case scenario, the nearest embassy isn't in the same city as you. You can claim the cost of travelling to where you need to be to replace the passport.
If you have to cancel other bookings because you're waiting for a new passport to be issued, you can claim that too. We'll also cover the cost of a temporary replacement passport. If you need a full replacement of your passport, our cover will be based off the amount of time remaining on your original passport (e.g. you paid NZD$480 for your passport 5 years ago. It's valid for 10 years, so we'd pay you NZD$240).
What's not covered?
All the exclusions that apply to other pieces of luggage also apply to passports. Leaving it somewhere by accident or leaving it unattended means it won't be covered. If we don't cover the passport itself, then we won't cover the costs relating to getting a new one.
We also won't cover it without the report from MFAT or the embassy/consulate – you must report a lost or stolen passport under New Zealand law, so you'll want to do that anyway... not to mention that they probably won't let you leave the country without a valid passport!
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
How to get assistance if your passport is stolen.
It’s essential that you get in contact with our Emergency Assistance Team as soon as possible so that our teams can help you navigate local laws and advise you on how to get your replacement passport.
So that our Emergency Assistance team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Passport stolen during dinner with friends.
My handbag was stolen when I was having dinner with friends. In my bag was my passport, and as I had to apply for an emergency passport, and then another visa, in order to leave China. I had to cancel the flight I had booked.
Claim Paid: $1112.22
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
- Have you died?
- Has one of your relos died?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Is there an excess/co-pay if I need to claim for a stolen passport?
Most policies come with an excess/co-pay. Check your policy to find out what's applicable.
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Will you pay upfront for my passport replacement?
No. You'll need to need to pay for it and then lodge a claim for your expenses.
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What assistance can your emergency assistance team provide me?
They can guide you to the nearest embassy, give you their contact information, and help you report your loss.
Travel Insurance for Lost or Stolen Passports
Learn what to do if your passport is stolen while travelling, and how World Nomads travel insurance could help.
- As featured in:
As featured in:
- Four simple steps to take if your passport is stolen
- Travel insurance coverage for stolen passports
- What do I need to make a claim?
- Important exclusions and limitations
- Preventative measures to protect your passport
- What’s not covered by World Nomads travel insurance?
- FAQs for stolen or missing passports
Four simple steps to take if your passport is stolen
Losing your passport while traveling can be stressful, but following these steps can help minimize disruptions and ensure a smoother replacement process:
- Report the theft to local authorities – File a police report as soon as possible and obtain a written document confirming the theft. This will be required for both the embassy and travel insurance claims.
- Contact your embassy or consulate – Reach out to the nearest diplomatic mission to begin the process of obtaining an emergency passport or a replacement.
- Secure documentation and copies – Keep a record of the police report, embassy correspondence, and any receipts for related expenses.
- Notify your travel insurance provider – If you have a policy with us, tell us. Contact the 24/7 Emergency Assistance team to guide you through the process.
Travel insurance coverage for stolen passports
Having travel insurance can help mitigate the financial and logistical challenges of replacing a stolen passport. Key areas of coverage include:
- Emergency passport expenses – Some policies may cover the cost of obtaining an emergency passport.
- Additional travel expenses – If the theft results in delays or itinerary changes, certain policies may help cover costs.
- 24/7 Emergency Assistance – We can assist in locating the nearest embassy, translating documents, and guiding you through the claim process.
Note: an AUD $100 excess is payable per event.
What do I need to make a claim?
- Reports from local police, common carriers, service providers and any other relevant parties.
- Receipts for passport processing fees.
- Copies of all documentation provided by the Australian Government.
- Receipts for pre-paid, non-refundable accommodations and any additional expenses incurred, should it apply to your case.
Important exclusions and limitations
Understanding the limitations of travel insurance can help prevent claim issues. Common exclusions include:
- Negligence – Claims may be denied if the passport was left unattended or not properly safeguarded.
- Lack of documentation – A valid police report is typically required for a successful claim.
- Confiscation by authorities – If a government official takes your passport, insurance usually does not cover this.
- Full replacement cost – Most policies only cover emergency passport fees, not the full cost of a new passport.
Preventative measures to protect your passport
- Before travelling – Make photocopies and store digital backups in a secure, accessible location.
- During travel – Keep your passport in a safe or secure bag and avoid carrying it unnecessarily in crowded places.
Ensuring a smooth claims process
To ensure a smooth claims process:
- Notify us as soon as possible after the theft.
- Submit all required documentation, including police reports and receipts.
- Follow our specific claim process and deadlines.
By taking proactive steps and understanding your insurance coverage, you can handle passport theft more efficiently and reduce its impact on your travels.
To find out more about how to make a claim click here.
What’s not covered by World Nomads travel insurance?
- If you leave your passport behind.
- If you don’t take proper precautions to protect your passport.
- If you don’t obtain a written police report if it's stolen.
- If customs or another government body confiscates your passport.
- A new passport is not covered. Cover is to get you an emergency passport, not the full replacement cost.
Need to know more?
When you get a travel insurance quote, you’ll be able to compare the coverage of each plan so you may determine the best travel insurance plan for your needs. If you’re unclear about anything at all, get in touch with us.
The features and benefits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.Passport stolen during dinner with friends.
My handbag was stolen when I was having dinner with friends. In my bag was my passport, and as I had to apply for an emergency passport, and then another visa, in order to leave China. I had to cancel the flight I had booked.
Claim Paid: $1112.22
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Has one of your relatives died?
- Has a bushfire damaged your home?
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 medicine?
- 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 overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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 overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Will my travel insurance cover the cost of replacing my Australian passport?
Our policies may cover you for the official processing fees to replace your passport if it got lost stolen or was accidentally damaged. If your trip is interrupted as a result of your passport being stolen, if it got lost, or was accidentally damaged, we may cover you for reasonable and necessary additional travel and accommodation expenses incurred to replace these items. You can find more information in the Product Disclosure Statement (PDS).