Photo © Simone Becchetti/Stocksy

Travel Insurance for Pregnancy

Learn what is and isn't covered by travel insurance if you're pregnant.

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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.

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

Conditions of cover you should know

The policy wording outlines all conditions of cover when you and other insured persons are travelling.

You must be less than 28 weeks pregnant at the time your trip is due to start (24 weeks for multiple births), and prior to departing on your trip you must have confirmation from a general practitioner or midwife that you are fit to travel.

To minimise the cost of medical treatment, travel with and present your European Health Insurance Card (EHIC) to medical providers when receiving medical treatment within the European Union. 

What travel insurance will cover during pregnancy

If you are pregnant and confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip (24 weeks for multiple births), you can make a claim under Cancelling Your Trip provided you purchased a policy/booked a trip before you were aware you would not be able to travel.

If you're travelling and experience a sudden illness or injury or medical condition arising from your pregnancy, our policies offer cover for:

  • Emergency medical treatment abroad
  • Hospitalisation
  • Ambulance transport
  • Medical evacuation and repatriation
  • 24/7 Emergency Medical Assistance

For residents of Denmark only

In addition to the above information, cover is also available for pregnancy or medical conditions arising from pregnancy provided that, prior to departing on your trip, you received confirmation from a medical practitioner or midwife that you were fit to travel. Cover is available for your child born prematurely (i.e., before the 37th week of pregnancy) during your trip. Claims involving multiple births are considered one event.

What we won't cover

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

  • Travelling against the advice of a medical practitioner.
  • Expected costs arising from the 37th week of pregnancy, for example: for the expected childbirth; planned medical assistance with delivery, including a Caesarean section; scheduled pregnancy-related treatments; care of the newborn child.
  • Doing anything illegal.
  • Drug or alcohol-related injuries or illnesses.
  • Deliberate self-harm or wilful or reckless 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.

How to get assistance if you're sick or injured while pregnant

Seek medical assistance if it is an emergency – your hotel, tour guide or accommodation provider may be able to help. 

Our 24/7 Emergency Medical Assistance team can help you get in touch with local medical assistance and direct you to what to do next.  Make sure you keep any receipts in case you need to make a claim, and keep in contact with our Emergency Medical Assistance team until you no longer require treatment or assistance.

If you are travelling in the European Union, travel with your European Health Insurance Card (EHIC) to access medically necessary, state provided healthcare.

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.

24/7 Emergency Medical Assistance

It’s essential that you get in contact with our 24/7 Emergency Medical Assistance teams as soon as possible so that you can be supported from the time you fall sick or get injured until the time you get home.

So that they 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

Unable to travel.

My Wife, pregnant 8 weeks and 3 days, went today to the gynecologist for a checkup following abdominal pain. The doctor diagnosed that the pregnancy was at risk and therefore she can't travel and needed complete rest.
Claim paid: EUR 2.011,97
Italian Nomad.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • 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 drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team. 

  • If I fall pregnant before my trip, can I cancel?
    Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel. If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip (24 weeks for multiple births), you can make a claim under Cancelling Your Trip provided you purchased this policy/booked a trip before you were aware you would not be able to travel.
  • Do your policies cover pre-existing pregnancy complications?
    No, cover for pre-existing medical conditions (as defined in the policy wording) are not covered. However, If your country of residence is Denmark, cover for pregnancy is as follows: Cover is available for pregnancy or medical conditions arising from pregnancy provided that, prior to departing on your trip, you received confirmation from a medical practitioner or midwife that you were fit to travel. Cover is available for your child born prematurely (i.e., before the 37th week of pregnancy) during your trip. Claims involving multiple births are considered one event. If you are confirmed not fit to travel, you can make a claim under Cancelling Your Trip provided you purchased this policy/booked a trip before you were aware you would not be able to travel
  • Do both of your policies cover pregnancy?
    Both the Standard and Explorer Plans offer cover for sudden illness or injury, including when they arise from your pregnancy. Before travel, you will need to be sure your doctor or midwife has confirmed you are fit to travel for the duration of your trip in order for cover under the policy to apply. There is no cover for routine or normal costs associated with pregnancy or childbirth.
Photo © Lumina Images

Travel Insurance for Stolen or Damaged Baggage

If your gear has been stolen or damaged, here's how we can help.

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Protect your bags and personal effects with World Nomads Travel Insurance

Whether you’re carrying expensive sports gear, a wedding outfit, or just your everyday essentials, World Nomads travel insurance offers coverage for theft, loss, or damage of your luggage and personal effects.

How does travel insurance cover baggage?

As long as you can provide proof your baggage was lost, stolen or damaged and you have receipts that show the date and cost of your purchases, our plans may help cover the cost of replacing or repairing:

  • Baggage and personal items if stolen or lost or damaged in a fire or natural disaster (we’re not going to give you a new camera if you throw your old one on the ground and claim it was damaged!).
  • checked-in luggage when lost or damaged by a common carrier.
  • Passport, credit cards and travel documents if stolen, lost or damaged (specific terms and conditions apply).
  • Stolen cash (Explorer plan only) – limits apply.

It’s our choice if we replace or repair an item and various policy limits may apply. If you’re traveling with a number of valuable items you can also buy extra coverage for specific high value items at the time of getting a quote.

How to report your lost or missing bags and valuables in 4 simple steps

1. Report it

You will need to report your luggage as stolen to the relevant person at the location as soon as possible. Depending on where you are at the time, that could be airline staff, the driver on public transport, a train conductor, accommodation staff or a restaurant manager.

If your luggage has been stolen on public transport (e.g., bus, train or airplane):

  • Report the incident to the public transport provider or tour operator and ask for written evidence such as a Property Irregularity Report (PIR).
  • Keep all relevant tickets, luggage checks and other documentation.
  • Find out how the transport provider will compensate you and get this in writing.

If your luggage has been stolen from your accommodation

  • Report it to the accommodation provider and ask them to provide written confirmation of the loss or theft and any compensation they’ll offer.

If your luggage has been stolen on a tour or at a public venue (e.g., airport, museum, restaurant, sports stadium)

  • Report it to security, the tour operator or venue management and ask them to provide written confirmation of the theft and any compensation they’ll offer.

2. Notify the police

You’ll need to report the theft to the police as soon as reasonably possible after it occurs and get written evidence that you've reported it to the police, such as a written police report.

3. Track and block your phone, tablet and credit cards

If your mobile device (phone or tablet) is lost or stolen:

  • Lock your device and change your passwords. In many cases you may be able to use the ‘find my phone’ feature to remotely secure your phone and apps to protect your data.
  • Remotely erase data as soon as possible.
  • Call your mobile device provider and ask them to block your service and ask for written confirmation that has been done.

If your credit cards are stolen:

Contact your bank and/or credit card provider as soon as possible. They should be able to block any future charges and potentially reverse any fraudulent charges that have already taken place and cancel the card if required. Your bank or credit card provider may also be able to help you access money without a card.

4. Keep all receipts and paperwork

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

What’s not covered

  • Damage to personal belongings unless checked in with a common carrier.
  • Damage to, loss or theft of high valued specified items, even if checked in with a common carrier in your baggage, including jewellery, computers, cameras, hand-held and mobile devices or other electronic equipment.
  • Items stolen from a vehicle that is unlocked (or there are no visible signs of forced entry) or from a non-lockable or visible part of a passenger compartment.
  • Items you lost or left behind somewhere.
  • Theft which is not observed by you at the time when the theft was being committed.

Travel safety tips before you leave your home

  • Add a distinctive, trackable security tag with your contact info (minus your home address) to make your luggage easier to spot and recover if it goes missing.
  • Be proactive and install tracking apps on your devices before travelling abroad.
  • Scan copies of all your documents and store them in your phone before you leave your country of residence.
  • Grab a travel insurance quote here.

Ready to get a travel insurance quote?

If you’re ready to start exploring our travel cover options and optional extras, then visit our Get a Quote page and tell us your travel details. For more information check out our FAQ article on baggage cover and personal effects and read your Policy Wording carefully before you buy.

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.

Choked and Robbed.

On October 8, 2013, I was trying to go back home by taxi. But I had to change taxi and walk for 30meter to get next taxi. It was little dark 7pm. At the time, I was surrounded by 3 or 4 men. A man choked me and another guy tore off my small bag, and they ran away. There were a camera, passport, watch, wallet with 300 rand and credit card, cellphone, USB Internet modem and so on. I explained to taxi driver and he helped me to bring home without pay. And my house owner helped me to go to police station and explained everything.
Claim paid: USD $780,21
Japanese Nomad in South Africa.

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 deceased?
  • Close relative dropped dead?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • If the airlines loses my gear, what do I need?
    You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
  • Do my items get depreciated?
    Yes they do. However, some policies let you pay an additional premium per item so insure them for the value you bought them (if it's under the limits).
Photo © Extreme-Photographer/IStock

Travel Insurance for Stolen or Damaged Baggage

If your gear has been stolen or damaged, here's how we can help.

    As featured in:

  • As featured in:

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.

When you’re travelling, you don’t always have control over what happens to your gear: it can get stolen, damaged, be sent to the wrong airport or get lost permanently in transit. That’s where baggage and personal belongings cover can help.

Baggage and personal belongings travel insurance: What's covered?

World Nomads plans for residents of most countries offer coverage for your luggage and personal items you take with you. Cover includes:

  • Necessities (e.g underwear & toiletries) if your baggage is delayed for at least 24 hours.
  • The value of any items lost, stolen, damaged or destroyed with a deduction for wear and tear.
  • Specific items you have paid an additional insurance premium for and which are shown on your Certificate of Insurance. (Deduction for wear and tear does not apply). 
  • The additional cost of obtaining a replacement passport or visa including fees that you would otherwise not have paid.
  • If you buy the Explorer Plan, the policy also covers accidental loss or theft of your own money while you were carrying it or if you left it in a locked safety deposit box.

What’s not covered?

There are a number of items our policies don't cover and if you don’t look after your belongings properly, you may not be covered either.

  • If you don't keep your gear safe and secure. 
  • If you don't report a theft or loss to the police (within 24 hours) and appropriate carrier or authority as soon as reasonably possible of the theft or loss being discovered. Get a written report!
  • Personal baggage stolen from an unattended vehicle unless locked away and not visible from the outside and there are signs of forced entry. 
  • Sporting equipment while in use. 
For more information check out our article on baggage cover and personal effects and read your policy carefully before you buy.

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.

Travel Insurance Baggage Tips:

  • Find and scan your receipts before your leave
  • If an airline loses your gear, tell them straight away and get it in writing.
  • Theft? Report it to the police as soon as you reasonably can.
  • If you’ve got a handset or tablet that can be blocked, block it.
  • You can claim at home or on the road.

Robbed in Guatemala.

I was walking down the sidewalk of 11 Avenida with my backpack on the back. I wanted to check something in my Lonely Planet, so I took the backpack to the front, with one strap still one my shoulder. I had just put the book back and was about to zip the backpack closed (after 10-20 seconds) when it was suddenly ripped out of my grip. Even though I was holding on to it, the surprise and force allowed them to grap it anyway, before they speeded away. In the backpack was my camera lens (I was fortunately wearing the camera with a strap around my neck), my wallet with money I had cashed in an ATM a couple of days before, the guidebook and some clothes (jeans, socks and a hoodie). There were no personal documents as I had left them in my hotel room. I reported the theft to the police about two hours later.
Claim paid: EUR 635,38
Danish Nomad is Guatemala.

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 deceased?
  • 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 drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.

  • If the airlines loses my gear, what do I need?
    You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.
  • Do my items get depreciated?
    Yes they do. However, an upgrade will let you pay an additional premium per item so you can insure them for the value you bought them (if it's under the limits).
Photo © Solovyova/IStock

Travel Insurance for Delayed Baggage

Learn how travel insurance could help if your luggage misses your flight.

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This content is for all travellers except Americans, Australians, Brazilians, British, Canadians, Irish, and New Zealanders.

You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grounds to a halt… without your bag appearing.

That’s where Delayed Baggage Travel Insurance can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.

What's covered by travel insurance if my bags are delayed?

If your baggage is delayed more than 12 hours our policies cover the cost of:

  • Clothing
  • Medicines
  • Toiletries

It's important to remember that there are benefit limits and an excess will apply. 

What you’re not covered for.

If your bags arrive less than 12 hours before they were supposed to you won’t be able to claim any expenses back.  We also won’t cover:

  • The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
  • Indirect losses, such as administrative or transport costs involved in collecting the baggage or Lost opportunities due to not having your baggage
  • Any items that aren’t considered ‘essential’.  That means no Gucci leather jackets!
  • The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home

What do I do if my bags don’t arrive?

First step is to speak to your carrier – the airline, train or bas carrier who was responsible for transporting you.  You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information. 

If it’s going to take at least 12 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and medicine to tide you over.

Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after. 

There is also a maximum benefit limit for each 24 hours your baggage is missing and if it’s never located, any claims paid will be deducted from any successful lost baggage claim you subsequently make. 

There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Of course, always read the full terms, conditions limitations and exclusions in the plan you choose so there’ll be no surprises if you need to use it. If you are unsure of your level of travel cover, please contact us for help.

Items you can claim if your bags are delayed:

  • T-shirt(s)
  • Underwear
  • Socks
  • Toiletries
  • Reasonable & necessary essential items (check your policy for details)

Items that aren't covered if your bags are delayed: 

  • Designer jeans to replace your fisherman's pants
  • A new ball gown for that special event
  • Tailor made suit
  • Leather jacket
  • Other non-essential items you can live without for a few days

Baggage delay in NYC.

I flew from Santiago (STI) to New York USa (JFK), when I arrived to destination Jet Blue Airways inform me that my bag was delayed. I am still waiting for my luggage.
Claim paid: USD $500
Dominican Resident in NYC.

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 deceased?
  • Close relative dropped dead?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.

  • What supporting documents do you need?
    You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary.

Travel Insurance for Delayed Baggage.

For when you show up but your bags don't.

    As featured in:

  • As featured in:

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.

You know that sinking feeling when you’re waiting at the luggage carousel, everyone has left and it finally grinds to a halt… without your bag appearing.

That’s where travel insurance and our Baggage Delay benefit can help out, saving you from a sweaty, smelly, uncomfortable few days (hopefully not more) until your bags arrive.

What's covered by travel insurance if my bags are delayed?

If your baggage is delayed more than 24 hours our policies offer cover for essentials items like:

  • Clothing
  • Essential prescribed medication
  • Toiletries

It's important to remember that there are benefit limits and an excess will apply. 

What you’re not covered for

If your bags arrive within 24 hours of when they were supposed to, you won’t be able to claim any expenses back.  We also won’t cover:

  • The rental or purchase of sports equipment if your sports equipment is delayed by the carrier
  • Indirect losses, such as administrative or transport costs involved in collecting the baggage or lost opportunities due to not having your baggage
  • Any items that aren’t considered ‘essential’.  That means no Gucci leather jackets!
  • The purchase of essential items if your bags are delayed on the way home, as the insurer expects you’ve got other clothes to wear once your return home

What do I do if my bags don’t arrive?

First step is to speak to your transport provider who was responsible for transporting you. You need to make a report and get back from them a Property Irregularity Report or similar official statement including certain details – see How to Make a Claim for more information. 

If it’s going to take at least 24 hours or more to get your bags to you, then you can look at claiming back the cost of essential replacement toiletries, clothing and prescription medication to tide you over. Any claims paid for essential items will be deducted from any successful lost baggage claim you may subsequently make. 

Benefit limits apply so this isn’t a green light to buy the latest Gucci leather jacket you’ve been hankering after. 

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.

Items you can claim if your bags are delayed:

  • T-shirt(s)
  • Underwear
  • Socks
  • Toiletries
  • Prescribed medication
  • Reasonable & necessary essential items (check your policy for details)

Items that aren't covered if your bags are delayed: 

  • Designer jeans to replace your fisherman's pants
  • A new ball gown for that special event
  • Tailor made suit
  • Leather jacket
  • Other non-essential items you can live without for a few days

Bags delayed in Heathrow.

Flew out of Heathrow to Los Angeles. The airline claimed the baggage loading system at Terminal 1 had failed and they would be unable to load all the luggage. When we arrived, several hours late in LA, my bag was one of the many missing. We filed a delayed baggage report with them and were promised the bag would be delivered the next evening. I did not actually receive it until three days later. Everything was in tact when it arrived, but in the meantime I had to manage with the clothes I was wearing for the journey. We had trips booked the first two days in LA and we managed to get to a store to buy some items for me to have a change of clothes and enjoy the swimming pool in the hotel.
Claim paid: €121.25
Norwegian Nomad in L.A.

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 deceased?
  • Close relative dropped dead?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team. 

  • What supporting documents do you need?
    You’ll need a Property Irregularity Report (‘PIR’) from the carrier confirming the delay and any compensation they provided to you or offered to you, your receipts and a copy of your itinerary. Written confirmation from the airline or travel company stating the length of delay, may also be required.
Photo © Mario Guti/IStock

Travel Insurance for Death Overseas

Learn how travel insurance could help your family if you die overseas.

    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.

Our travel insurance offers coverage for the absolute 'worst case scenario' event that can happen to a traveler, their family or traveling companion.

This is the information you and us both hope you’ll never need to use. So, here’s what you need to know to help you or your family get through this difficult time as quickly and easily as possible.


What will travel insurance cover if a death occurs overseas?

If you die because of an accident or sudden illness, depending on your policy we will help pay for:

  • Cost of the return of your remains to your home country.
  • Local cremation and return of your ashes home in an urn, or return of your remains home for burial in your home country.
  • Any statutory arrangements (such as embalming and a zinc coffin). The policy wording doesn’t detail such costs.
  • Reasonable additional expenses for someone to return with your remains.

Most importantly our 24/7 Emergency Assistance team will be able to give support to your family back home and help them navigate the difficult administration required in getting your body back from a foreign country.

Our cover for Coronavirus-related events might assist

We understand many of our global travelers young and old are concerned about the impact Coronavirus (COVID-19) might have on their travel plans and on their health while traveling. With this in mind we’ve introduced some coverage for Coronavirus-related events on both our Standard and Explorer Plans.

The coverage offered will help travelers make decisions about booking travel now and into the future. Depending on your Country of Residence and if you buy the Standard and Explorer Plan, we may cover overseas medical expenses which include:

  • Hospitalization.
  • Prescribed medication.
  • Doctor’s visits.
  • Repatriation back home if deemed medically necessary.
  • If the worst happens, repatriation of your remains or local cremation or funeral overseas and, when necessary, costs for your next of kin to travel with your remains.

As our plans vary, check carefully the level of cover you think you might need, and purchase the right level of cover for you and your travel plans.

Please note that you need to contact our Emergency Assistance team before making any plans, regardless of whether you’re already receiving treatment and what your treating doctor says. We have a global network of medical providers and facilities. Their network has a global reach, so wherever you are, they can help guide you to local medical facilities, and help set up direct payments so you’re not out of pocket.

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


What isn’t covered?

You will not be covered if you:

  • Take your own life through suicide.
  • Die from being under the influence drugs or alcohol.
  • Have a pre-existing medical condition that results in death (unless otherwise stated in the policy).
  • If you die of having engaged in any illegal activities.
We won’t cover any costs within your home country once your remains are returned to your next of kin.

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 your family or friend can get assistance if you die overseas.

It’s essential that your family or travel buddy get in contact with our emergency assistance teams as soon as 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 heartbreaking 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 organisation and unexpected high costs. The World Nomads Emergency Assistance team can coordinate a local burial or bringing home loved ones with trusted partners on the ground, and ensure that families and friends are supported throughout such a difficult time.
Aurelie Menard
Operations Manager.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team
Photo © Mario Guti/IStock

Travel Insurance for Death Overseas

Learn how travel insurance could help your family if you die overseas.

    As featured in:

  • As featured in:

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.

If you die overseas, travel insurance cover 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 limit) for the following:

  • Transport your remains back home or reimburse costs for local funeral expenses (cremation or burial).
  • 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 home.

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 hour Emergency Medical Assistance Team will be able to 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 remains back home.

What’s not covered by travel insurance?

Cover is not available for costs that are not authorised by your insurer. They will review the circumstances of every claim and provide assistance and support wherever possible.

How we help

Deaths are the most heartbreaking cases to help with. No one is ready to deal with the sudden death of an immediate relative abroad, let alone having to deal with complex requirements and unexpected high costs. The 24/7 Emergency 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 through 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.

How your family or friend can get assistance if you die while abroad

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

To help our Emergency Medical Assistance team 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 heartbreaking 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 organisation and unexpected high costs. The World Nomads Emergency Assistance team can coordinate a local burial or bringing home loved ones with trusted partners on the ground, and ensure that families and friends are supported throughout such a difficult time.
Aurelie Menard
Operations Manager.

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 deceased?
  • Close relative dropped dead?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

Travel Insurance for Flight Cancellation

For when you're ready to go but your plane isn't.

    As featured in:

  • As featured in:

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.

You’ve made it… you’ve got your passport, baggage and are at the airport on-time and ready to head off. The only problem is your plane isn't going anywhere. 

That’s where travel insurance for flight cancellation can give you a helping hand, covering some of your expenses until you can get on another flight.

How does travel insurance cover flight cancellation?

If your flight is unexpectedly cancelled through no fault of your own, and the event that led to the disruption is an insured event, our policies offer cover for additional necessary and reasonable costs (up to the benefit limits) for:

  • Local transportation.
  • Meals…Sorry – that 3 star Michelin restaurant is probably not considered necessary and reasonable.
  • Hotel accommodation (overnight stay) if required.

You must be aware that before submitting a claim to us, you must claim a refund or compensation from the transportation provider first.

What’s not covered by travel insurance?

To make a claim you will need to be able to show proof of the flight cancellation from the carrier and keep all receipts, otherwise we will not be able to pay.  Other items we won’t cover include:

  • If you can claim your meals, additional expenses and accommodation and transport costs from someone else, like the carrier that was responsible for your flight
  • If you knew when you booked or bought your tickets there were circumstances that would likely result in a travel delay.
  • The cancelled flight is due to a change in travel plans, change of mind or disinclination to travel
  • Your expenses are not considered reasonable or are above the limits shown in the Table of Benefits (only additional expenses are covered)

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.

Cyclone cancels flight.

I had a flight from Kosrae (Federated Stated of Micronesia) to Honolulu, Hawai. The flight was cancelled by United due to weather conditions (according to them their plane could not leave from Guam due to the Vanuatu cyclone). Therefore I had to spend one more night in Kosrae, paying for lunch, dinner and accommodation. The airline declined to pay for the hotel or other expenses as the cancellation was due to weather conditions.
Greek Nomad in Micronesia.
Claim Paid: €35

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 deceased?
  • Close relative dropped dead?

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?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about flight cancellation cover. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

Photo © Mickey Wiswedel/Stocksy

Travel Insurance for hiking & trekking

Simple and flexible travel insurance to take you trekking around the world. Buy at home or while traveling, and claim online from anywhere in the world.

    As featured in:

  • As featured in:

Travel insurance when hiking

From incredible landscapes unfolding beneath well-worn feet to seeking nature’s solace, hiking has a magnetism all its own. Whether it’s walking the windswept fells of England’s Lake District or tackling Europe’s great massifs; hiking puts you front and center in some of the world’s most stunning locations.

Preparation is key to any hiking adventure overseas, learning about the area, checking the route and packing the right gear if the weather rolls in. Along with a trusty map, it can pay to pack travel insurance to help if an unexpected accident or illness stops you in your tracks.

What’s covered for hiking and trekking?

Are you an experienced international hiker looking for your next extreme challenge or do you prefer a relaxed family weekend away? No matter how venturous your hiking plans, depending on your Country of Residence and the plan you choose, World Nomads plans offer cover (up to the benefit limits) for:

  • Emergency medical: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while hiking.
  • Evacuation: approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Assistance team.
  • Trip cancellation: has a sick or injured traveling companion put a stop to your hiking break? Your plan may be able to recover the unused, non-refundable travel expenses.
  • Gear protection: had your camera stolen while hiking in Thailand? Our gear coverage can help with replacing belongings swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
  • Lost, stolen or damaged baggage cover: we offer cover for baggage and items which you take with you or buy during your trip if they are stolen, damaged or destroyed, or if lost or damaged by a carrier. You must report all theft or loss to the police as well as to the common carrier, service provider or other local authority as soon as possible. Get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim, as well as a police report, copies of the original receipts and any luggage tickets.
  • Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan may cover essential items you purchase while you’re waiting for your baggage.
  • Coronavirus cover: we offer cover for some Coronavirus related events. To find out more click here.

Choose a plan to suit your needs

Both our Standard Plan and Explorer Plan  may offer many of the same benefits including coverage for hiking or trekking up to 6,000 meters, you just need to select the maximum elevation you’ll be hiking to at the time of your quote.

An upgrade for certain sports and activities may be required. Check out our article on covered sports and activities, which can help you select the optional upgrades for the activities you have planned, when you buy your policy; you can’t add them afterwards. Terms and conditions apply, please read your Policy Wording carefully and contact us if you have any questions.

What’s not covered for hiking?

Sorry – we won’t cover you if you do something reckless (such as tackling a week-long hiking trip in a remote area when you’re only a beginner). Some things we don’t cover include:

  • Pre-existing medical conditions as explained in your Policy Wording.
  • Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or activities within Antarctica, the Arctic Circle or Greenland.
  • Search and rescue operations to find or rescue you as per your Policy Wording.
  • If you do not follow the local safety advice and warnings.
  • Any adventure or sport activity you did not specify on your policy.
  • 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. If you are unable to contact us before arranging emergency transport or medical treatment, this may impact your cover.
  • Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers, credit card issuers or other insurance policies.
  • Medical treatment that can wait until you return to your country of residence.
  • If you don't keep your gear safe and secure at all times. 

How to get the most out of your travel insurance

Before you head for the hills, the following tips can help you maximize your safety and validity of cover. 

  • Inform a local assistance company of your trekking route and policy details.
  • If you’re hiking and need emergency medical treatment, or evacuation, you, or someone with you should contact our 24-hour Emergency Assistance team as soon as possible. They will contact a suitable assistance or ambulance company and arrange medical care.
  • Check which countries your trail passes through to ensure your policy covers you for that region.

Traveler Tip: for the intrepid hiker, be aware a policy excess applies if you need to be medically evacuated within Nepal.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

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 died?

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
  • Rolled your ankle?
  • Bedridden after a local delicacy?
  • Struggling with altitude?

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
  • Road or air ambulance?
  • Flight assistance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go pro stolen?
  • Gear damaged in transit?
  • Bags delayed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about hiking and trekking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

Photo © Getty Images/Westend61

Travel insurance for hiking & trekking - World Nomads

Simple and flexible travel insurance to take you trekking around the world.

    As featured in:

  • As featured in:

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.

Whether it’s the trek or the view you’re chasing, the world’s great hiking destinations will leave you breathless. From Europe’s alpine trails to the mist-soaked rainforests of Costa Rica, hiking has a magic all its own. 

Preparation is paramount to any hiking adventure abroad; learning about the area, checking the route and making sure you have the right gear in case bad weather rolls in. Along with a trusty map, it helps to pack travel insurance if hiking accidents stop you in your tracks.

What’s covered for hiking and trekking?

Are you an experienced European hiker looking for your next big challenge or are you happier on a relaxed family hike? No matter how adventurous your hiking plans, World Nomads plans may offer cover (up to the benefit limits) for:

  • Emergency medical: overseas emergency medical expenses at a hospital or medical centre if you suffer an unexpected injury or illness while hiking. You’ll need to contact the 24-hour Emergency Medical Assistance team. Expenses must be medically necessary and agreed by the insurer in order to receive reimbursement of your covered expenses.
  • Evacuation: we offer approved overseas emergency medical evacuation to the most appropriate medical facility for treatment or repatriation back to your country of residence. Emergency transport is subject to approval from the 24-hour Emergency Medical Assistance team.
  • Trip cancellation: has a sick or injured travelling companion put a stop to your hiking break? Your plan may be able to recover your unused non-refundable travel expenses.
  • Gear protection: had your camera stolen while hiking in Thailand? Our gear coverage can help with replacing belongings that were swiped from under your nose. You’ll need a police report to submit with your claim as well as copies of the original receipts and supporting documentation.
  • Lost or damaged baggage cover: have your bags or personal items gone missing? You must report all theft or loss to the common carrier, service provider or other local authority as soon as possible. You must also get a Property Irregularity Report or other incident report from the carrier so you can submit it with your claim. Where your belongings have been stolen, you must also report it to the local police and obtain a police report. These reports, and copies of the original receipts and any luggage tickets, can be submitted with your claim.
  • Delayed baggage cover: has your checked-in baggage been delayed for more than 24 hours? Your plan may cover essential items you purchase while you’re waiting for your baggage to arrive.

Choose a plan that suits your needs

Both our Standard Plan and Explorer Plan may offer many of the same benefits including cover for hiking or trekking up to 6,000 metres, you just need to select the maximum elevation you’ll be hiking to at the time of your quote.

If you’re lucky enough to have some extra adventure or sport activities planned such as kayaking or mountaineering, check out our article on covered sports and activities, which will help you select the optional upgrades you’ll need to add to your plan when you buy your policy as you can’t add them afterwards. Terms and conditions apply, please read your policy wording carefully or contact us if you have any questions.

What’s not covered for hiking?

Sorry – we won’t cover you if you do something reckless (such as tackling an extreme hiking trip into a remote area when you’re only a beginner). Some things we don’t cover include:

  • Pre-existing medical conditions as explained in your policy wording.
  • Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or expeditions to the Arctic or Antarctica or of a dangerous nature.
  • Search and rescue operations to find or rescue you, as per your policy wording.
  • Any adventure or sport activity graded above the actvity level specified on your Certificate of Insurance.
  • 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.
  • If you do not follow the local safety advice and warnings.
  • Expenses that can be recovered from other sources e.g. transport carriers, accommodation providers, credit card issuers or other insurance policies.
  • Medical treatment that can wait until your return home.
  • If you don't keep your gear safe and secure at all times. 

How to get the most out of your travel insurance

Before you head for the hills, the following tips can help you maximise your safety and validity of cover. 

  • Inform a local assistance company of your trekking route and policy details.
  • If you require any medical treatment during your trip abroad you must contact our 24-hour Emergency Medical Assistance Team when you are aware you will be admitted as an inpatient for at least one night. 
  • Check which countries your trail passes through to ensure your policy covers you for that region.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You can read more about hiking and travel insurance and 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 died?

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
  • Rolled your ankle?
  • Bedridden after a local delicacy?
  • Struggling with altitude?

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
  • Road or air ambulance?
  • Flight assistance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go pro stolen?
  • Gear damaged in transit?
  • Bags delayed?

Help starts here.

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

24/7 emergency assistance

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

Are you in need of emergency assistance right now?

Contact the team

FAQ

Here are our most frequently asked questions about hiking & trekking coverage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team