For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.

Buy at home or while traveling, and claim online from anywhere in the world.

Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.

Our Emergency Medical Assistance teams, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of British travellers be repatriated home so they can fully recover.

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, and you are admitted as an inpatient for at least one night, 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 EA team until you no longer require treatment or assistance.

When you're medically able to be evacuated, we may decide to:

• Transport you to other medical care facilities; and/or
• Repatriate you to the United Kingdom if you're declared medically unfit to continue your trip.

What’s covered

If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical evacuation and repatriation (depending on needs) by:

• Air Ambulance
• Sea Level Aircraft
• Helicopter
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical accompaniment

World Nomads has benefits for medical issues related to Coronavirus (COVID-19) under the section Emergency Medical & Dental Expenses Overseas. If you are diagnosed with COVID-19 while overseas and it’s not considered a ‘pre-existing medical condition’ under our policy, your benefits may include:

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

What’s not covered

There are exclusions and conditions that apply to our medical cover, including, but not limited to:

• Any expenses or fees which in the opinion of the treating medical practitioner, or in our opinion, can wait until you return to the UK.
• Expenses which can be recovered from another source, or private hospital or medical treatment you received where public funded services or care was available or which are covered under any National Insurance scheme or reciprocal health arrangement, unless approved by us.
• Medical or dental expenses incurred while you're in the United Kingdom. This policy doesn't replace private medical insurance or treatment offered through the NHS.
• Any other reason listed under Section 8 'Medical Sections of Cover'.

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 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 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

For information relating to policies purchased prior to 13 July 2021, 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 13 July 2021 please see below.

This content does not apply to residents of: Australia, New Zealand, Brazil, Canada, the United States, Ireland, the United Kingdom and of member countries of the European Economic Area (EEA).

Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for continued medical care at home.

We have experienced Emergency Assistance team members who can put you in touch with qualified doctors and nurses who have seen it all before and have helped countless travelers be repatriated home so they can fully recover.

What’s covered?

If you’ve selected the right policy for the activity you’re doing, there’s cover available in all of our policies, where medically necessary, for medical repatriation by:

• Air Ambulance
• Sea Level Aircraft
• Helicopter
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical accompaniment

Depending on your Country of Residence and the policy you buy, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.

Coverage if you’re injured or ill and need to come back home

Our policies now offer coverage for some COVID-19-related events.

As part of the new benefits, and depending on your Country of Residence and the Plan you have chosen, if you get sick with COVID-19 on your journey, we may provide coverage for:

• Overseas medical expenses;
• Hospitalization;
• Medical evacuation/repatriation.

We’ve also introduced a coronavirus specific section to the Explorer Plan, the Coronavirus Travel Costs section, offering cover for travelers when they or their travel companions are affected by COVID-19 while traveling. It includes some coverage for cancellation, trip interruption, quarantine expenses and more. 

Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.  

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 that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

How to get assistance

It’s essential that you get in contact with our emergency 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 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

For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024, please see below.

Buy at home or while travelling, and claim online from anywhere in the world.

Whether you’re trekking through Banff Canada, surfing in Hawaii, or scuba diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.

Our 24/7 Emergency Medical Assistance Teams, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers be repatriated home so they can fully recover.

What’s covered

If you’ve selected the appropriate cover for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical evacuation/repatriation by:

• Air Ambulance
• Sea Level Aircraft
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical escort

Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.

How to get assistance

It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.

So that our 24/7 Emergency Medical 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

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.

For information relating to policies purchased prior to 8 November 2022, 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 8 November 2022, please see below.

Do you really want cheap travel insurance?

Cheap Travel Insurance is only good if it protects you for those emergencies it’s supposed to protect you for.

Going too cheap can mean you’re not covered when it matters and if you’re not covered… your trip of a lifetime can get very expensive, very fast.

That’s why at World Nomads we listened to our experienced travellers and designed travel insurance products at affordable prices (but not the cheapest).

We’ve included the cover you told us you couldn’t live without in every World Nomads policy, including:

1. Medical
2. Cancellation
3. Luggage cover
4. 24/7 worldwide emergency assistance

Travel insurance options that have your back

As no two travellers are alike, we’ve designed a Standard and Explorer travel insurance option so you can choose whether you pay for the extras or not.

If you’re planning to kayak the Amazon solo or throw yourself out of a plane with just a little bit of silk attached to your back, the Explorer option may be more suited to you.

Then again, you might be surprised by what is covered under the Standard travel insurance option. Just tell us who you are, where you’re going and how long you’ll be gone for and we’ll generate your instant quote with all the detail you need.

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.

For information relating to policies purchased prior to 8 November 2022, 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 8 November 2022, please see below.

Whether you’re trekking through the Eurasian Steppe, surfing in Mundaka, diving off the coast of Thailand, or (not so) simply crossing the road in Vietnam, accidents or sickness can happen at any time during your trip. And if it’s bad enough, you may need to be repatriated for ongoing medical care.

Our 24/7 Emergency Assistance Team, doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers be repatriated home so they can fully recover.

What’s covered

If you’ve selected the right policy for the activity you’re doing and it’s medically necessary, there’s cover in all of our policies for medical repatriation by:

• Air Ambulance
• Sea Level Aircraft
• Helicopter
• Ground Ambulance
• Commercial airline upgrade
• Commercial airline with medical accompaniment

Depending on the policy you buy and your country of residence, there are limitations that will apply. So, it’s a good idea to do some research on where you’re going, so you can pick the policy that’s best for you.

How to get assistance

If you have private health insurance/private medical insurance that covers you while abroad, first contact your insurance provider and follow their emergency and claims procedures. If not, it’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.

So that our 24/7 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

Ten years ago, nobody worried about being caught up in natural disasters. But in an age of ever-worsening cyclones and hurricanes, and other freak weather events, cover for this sort of thing is now essential. And all that without even mentioning the multiple volcanic eruptions around Bali...

What does travel insurance cover for natural disasters?

 As long as you've bought your policy before the disaster was in the media, your policy will cover a range of different things. If you're still at home and the cyclone has swept your accommodation into the sea, we understand that you'll probably want cancel your trip rather than camp in the ruins of the resort. If you're overseas and caught up in it, then we'll cover you to get out. Whether that's getting home or getting to your next destination, will depend on your travel plans.

What's not covered

We don't cover costs that you would have incurred without the disaster happening. If you were island-hopping in the Caribbean and your accommodation got blown away in a hurricane, you'll need to move on. But if you didn't have any transport already paid for, then you'd be paying that cost to change islands anyway, so we won't cover it for you.

 We also don't cover if you just change your mind about a place. If you're worried about a volcanic eruption or an oncoming hurricane, talk to your airline. If they're cancelling flights, then you've probably got a claim. If they're carrying on business as usual, then we'll need a good reason why you can't go.

 As always, we'll ask you to ask your airline, accommodation and tours for refunds.

Pregnancy shouldn't be a reason to stop your next adventure. But with a new addition on board, travel insurance cover may help you look after yourself and bub-to-be if you're suddenly injured or have unexpected complications with your pregnancy while travelling.  

What does pregnancy travel insurance cover?

If you're travelling and have a pregnancy complication due to a sudden illness or injury, once you were not more than 28 weeks pregnant at the time your trip started (or 24 weeks for multiple births), our policies may cover:

• Emergency medical treatment;
• Hospitalisation;
• Ambulance trasnfers;
• Transport to get you home for ongoing treatment (if medically required);
• 24/7 Emergency Medical Assistance teams.

You must be able to provide confirmation from a medical practitioner or midwife that you were fit to travel, in the event of a claim.

To find out all the details on our travel insurance cover for pregnancy you can read our Help Center article for British travellers.

It’s also a good idea to check with the airline before you pay for your ticket to see if they have any restrictions on carrying a pregnant person.

What we won’t cover

We won’t cover a number of circumstances including, but not limited to:

• Having a pre-existing medical condition that results in complications.
• Normal costs or losses associated with pregnancy or childbirth. This includes medical care such as your antenatal check-ups and scans and the costs associated with giving birth, and care for a newborn baby.
• Doing anything illegal.
• Travelling against the advice of a medically qualified doctor.
• Drugs or alcohol-related injuries.
• Deliberate self-injury or wilful exposure to exceptional risk.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so please read your Policy Wording carefully before you buy for all the details.

For information relating to policies purchased prior to 27 June 2024, 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 27 June 2024 please see below.

Don't make your family pay to bring your remains home.

Travel Insurance cover, if you die overseas, can help bring your remains home without bankrupting your relatives or further traumatising them in what is already a very difficult time.

What’s covered by my Travel Insurance if I die while overseas?

If you die due to a sudden illness or injury while overseas we will pay for the reasonable cost (up to the benefit limits/sub-limits) for the following:

• Transport of your remains back to the United Kingdom or for local funeral expenses (cremation or burial), including any statutory arrangements required (such as embalming and a zinc coffin).
• Any statutory arrangements required to transport your remains or for a local funeral (such as embalming and a zinc coffin).
• Cremation overseas and transport of your ashes to the United Kingdom.
• We also provide repatriation of remains for travellers who die from Coronavirus while travelling on all our plans, although benefit limits apply.

Most importantly, our 24/7 Emergency Medical Assistance Team will keep your family informed and help them navigate the often difficult local regulations and administration required after your death.

This may include putting them in touch with consular officials, navigating and understanding local processes and helping access the services you need locally to transport your body back home.

What’s not covered by travel insurance?

There are conditions and exclusions that apply to travel insurance cover, including, but not limited to, exclusions for:

• Loss of life through suicide.
• Dying from drugs or alcohol.
• Pre-existing medical conditions, as explained in the Policy Wording.
• Doing anything illegal that results in your death.
• Any costs within the UK once your remains are returned to your next of kin.

How your family or friends can get assistance if you die overseas

It’s essential that your family or travel buddy get in contact with our Emergency Medical Assistance team as soon as reasonably possible, so that our teams can support them from the time you die until your remains have returned home.

To help our Emergency Assistance teams assist them quickly, they'll need the following:

• Your policy number
• Your location
• As many details as possible about the circumstances surrounding your death

So, leave a copy of your policy with your family or friend, just in case they need to use it.

How we help

Overseas deaths are the most heart-breaking cases to help with. No one is ready to deal with the sudden death of a close relative overseas, let alone having to deal with the complex requirements and unexpected high costs. The Emergency Medical Assistance team can coordinate a local burial or bring home loved ones with trusted partners on the ground and ensure that families and friends are supported throughout such a difficult time.

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.