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.
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)
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 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 if I don’t have receipts?
You can still lodge a claim. However, the team might depreciate or be unable to process your claim.
-
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.
-
Is there an excess/co-pay/deductible?
Yes, there is an excess.
Travel Insurance for Delayed Baggage.
For when you show up but your bags don't.
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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.
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.
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)
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 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 if I don’t have receipts?
You can still lodge a claim. However, the team might decline your claim if you are unable to provide requested documentation.
-
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.
-
Is there an excess?
For Baggage Delay there is no excess.
Travel Insurance for Death Overseas
Learn how travel insurance could help your family if you die overseas.
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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.
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.
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)
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 Death Overseas
Learn how travel insurance could help your family if you die overseas.
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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.
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.
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)
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 Flight Cancellation
For when you're ready to go but your plane isn't.
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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.
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.
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)
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 flight cancellation cover. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
The policy does not cover charter aircraft if your flight has been cancelled.
-
Why don't you cover cancellation caused by maintenance?
The airline should be reimbursing you for any carrier caused issues.
-
Other flights have been cancelled due to severe weather but mine is going ahead. Can I claim if I choose not to get on the flight?
This will be considered a change of mind and is excluded from cover.
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.
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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)
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 hiking and trekking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Arizona to Zambia by helping cover some of those nasty accidents. For further info, click here
-
How do I get to the medical centre if I’m injured while trekking?
If you can, contact our emergency assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call our assistance teams once you’re in safe hands. For further info, click here.
-
What if the airline loses my gear?
If your gear is lost or damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
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)
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 hiking & trekking coverage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Arizona to Zambia by helping cover some of those nasty accidents. For further info, click here
-
How do I get to the medical centre if I’m injured while trekking?
If you can, contact our emergency medical assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call our assistance teams once you’re in safe hands. For further info, click here.
-
What if the airline loses my gear?
If your gear is lost or damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Travel Insurance when scuba diving
Simple and flexible travel insurance to keep you safe on your next dive trip.
- As featured in:
As featured in:
For information relating to policies purchased prior to 1 September 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 on or after 1 September 2021 please see below.
Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala and more.
- Recreational scuba diving (qualified divers to 30 or 50 meters)
- Discover scuba dives (with qualified instructors)
- Shark cage diving, cavern, cave and wreck diving (some plans only, check yours carefully)
- Snorkelling, island escapes, live-aboard trips and more
You should note that travel insurance coverage for scuba diving varies between plans and once purchased, you can’t change your cover – that’s why it’s important to consider the kind of diving you plan to do on your trip and check the level of cover you’ll need before you choose your plan.
What’s covered - why buy travel insurance when going scuba diving?
While cage diving in Hawaii or scuba diving in the Great Barrier Reef may be number one on your ‘To Do list’, we know that things can go wrong from time to time. That’s why we’ll assist you with coverage if you become seriously ill or injured while diving and need urgent medical assistance. This includes:
- Evacuation: if it’s urgent and medically necessary (by the most appropriate means whether by road, sea or air when necessary and available).
- Emergency medical expenses: for treatment at the hospital or local medical center including decompression treatment if agreed as medically necessary by your treating doctor and our medical specialist.
- Repatriation: We may offer you a ride back home if you’re seriously ill or injured and unable to continue your trip.
- Sporting Equipment: Our policies may also provide cover for the theft or damage of sporting equipment (except while it’s being used or left unattended), or damage to sporting equipment by a common carrier. So if your fins, mask or scuba equipment gets damaged or stolen while in transit with a common carrier, you can make a claim. Terms, limits, conditions and exclusions apply so it’s worth taking the time to read more about this in your policy before heading overseas.
If you’re in need of a medical evacuation, repatriation or if you’re admitted to hospital, you or someone with you must contact the 24/7 Emergency Assistance team immediately..
If you are wondering eho pays for medical treatment,(and by this we mean either you pay upfront and claim later, or we pay), it depends on what’s happened to you and the necessary treatment required.
Also be aware that any medical claim or sporting equipment claim submitted will have a policy excess deducted per person, per claimable event.
Coverage varies depending on the dive and your level of experience
| Scuba Diving Certification |
Conditions of Cover |
|---|---|
| Not certified |
Cover to scuba dive under licensed instruction to a maximum depth of 30 meters. Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only |
| Certified diver |
You can dive to the depth that your license allows up to the limit specified in your plan Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only. |
| Shark cave diving |
Covered to a depth of 30 meters Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only |
| Cave diving and cavern diving |
Covered to a depth of 30 meters Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only. |
| Free diving |
Covered to a depth of 30 meters Upgrade coverage for dives to a depth of 50 meters – available at time of purchase only. |
| Commercial diving |
Not Covered |
What’s not covered
You should note that all scuba diving activities have a number of special exclusions which apply. This means there is no cover available under our policies for:
- Any unaccompanied dive;
- Any dive for gain or reward;
- Any dive which takes you deeper than your current qualification limits, or any dive deeper than 30 metres (or 50 metres if the appropriate additional premium has been paid) under any circumstances;
- Personal Accident insurance cover;
- If you act with disregard for your own safety, gross negligence or actively engage in any illegal act;
- Search and rescue under any circumstances;
- Any on-going medical expenses once you return to your home country;
- Any other reason listed under the General Exclusions in your Policy Wording.
The policy isn’t designed to cover everything. Take the time to read the terms and conditions, limitations and exclusions in the Policy Wording for full details on what is and isn’t covered. That way there are no surprises if you need to use it.
If you’re unsure of cover and have more questions, please contact us for help.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea-level medical evacuation?
- Need an ambulance?
- Med\rvac 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?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency assistance team so that they can help to the care that you need. For further info, click here.
-
What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer can help cover these costs upfront. For further info, click here.
Travel insurance for scuba diving
Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Why buy travel insurance when going scuba diving?
Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers. Whether you're learning or you’ve done hundreds of dives, World Nomads Travel Insurance can help take the pressure off you and your family when the unexpected sinks your next dive trip.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?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- 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?
- Bags lost in transit?
- Luggage 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)
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.
World Nomads love Scuba Diving
As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala.
- Recreational scuba diving (qualified divers to 30 meters)
- Learn-to-dive courses or discover scuba dives (with qualified instructors)
- Shark cage diving to a maximum depth of 30 metres
- Snorkeling, island escapes, live-aboard trips, and more
*Note: Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.
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 scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
What’s covered when Scuba Diving?
We’ve tried to give you the freedom to learn or hone your diving skills by helping cover some of those nasty accidents. For further info, click here.
-
How do I get to the medical centre if I’m injured underwater?
Contact our emergency medical assistance team so that they can help to the care that you need. For further info, click here.
-
What if the airline damages gear?
If your diving gear is damaged by the airline, World Nomads can help cover some of the cost to replace them. For further info, click here.
-
Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer can help cover these costs upfront. For further info, click here.
Travel insurance for ski & winter sports
Simple and flexible travel insurance for skiers and snowboarders. Buy at home or while traveling, and claim online from anywhere in the world.
- As featured in:
As featured in:
Whether you're a newbie hitting the bunny slopes or a seasoned pro tackling the black diamonds, accidents can happen. With World Nomads travel insurance, you can shred the slopes and let your winter adventures be as smooth as the freshest powder.
- What does World Nomads travel insurance cover for snow sports?
- Choosing the right travel insurance policy for you
- What snow sports activities are covered?
- What’s not covered
- Tips for your winter sports adventures
- FAQs
What does World Nomads travel insurance cover for snow sports?
Depending on your country of residence and the plan you choose, our policies can protect you up to policy limits for benefits including:
- Medical treatment, evacuation and repatriation: if you suffer an injury while you’re shredding and need urgent medical assistance, our 24/7 emergency assistance team is here to help you organise treatment, evacuation and get home
- Trip cancellation: if you have to cancel your travel plans
- Baggage and equipment cover: if your baggage, ski or snowboarding gear is lost, stolen or damaged
- Cover for natural disasters: if you have to cancel or rearrange your travel plans due to a natural disaster such as an avalanche, or severe weather event
- Activities and sports coverage: we can cover you for up to 150 sports, activities and experiences.
- Coverage for families: our policies can cover up to eight dependents, so you can take the whole family on a winter vacation!
Choosing the right policy for you
We offer two travel insurance plans – Standard and Explorer – each of which offers different levels of coverage and benefits for your winter adventures. It is up to you to choose which plan has the right level of coverage to meet your travel needs and matches your specific snow sports plans.
With World Nomads you can get a quote, make a claim, or extend your policy instantly online, anytime, from anywhere.
What snow sports activities are covered?
As passionate ski bums, we’ve designed our plans to offer cover for the winter activities that our Nomads love the most. We can cover:
- Skiing and boarding within resorts, including off-piste
- Heli-skiing & heli-boarding (some plans only, check yours carefully)
- Sledding and tobogganing
- Snowmobiling, ice skating, snow rafting & more.
It’s important to note that all plans are different depending on your country of residence and may require an upgrade for cover to apply. Read the Policy Wording carefully to choose the right plan and/or adventure sport option for your trip. If you’re not sure whether the snow sports you want to do are covered, contact us.
What’s not covered
While there are several things we can offer coverage for, there are also things we just won’t cover. These include, but are not limited to:
- Any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski racing or national squad training, the use of skeletons.
- Some winter and snow sports have special terms including exclusions for remote areas, racing, time trials and endurance events. Check the policy wording carefully.
- Any of your ski or winter sports items lost, stolen or damaged that are unsupervised or unattended, that are over 3 years old, or while in use
- If you travel against medical advice or neglect to adhere to U.S. Department of State ‘Do Not Travel’ warnings issued prior to departure
- Any adventure activities or sports that aren’t covered by our policies or where you don’t purchase the appropriate level upgrade
- Any pre-existing medical conditions
- Any costs related to illegal activities or being under the influence of drugs or alcohol.
Tips for your winter sports adventures
Whether you’re a pro skier or planning your first ever winter trip overseas, these tips may be helpful when planning your next winter getaway:
- It pays to be prepared: check the weather, check your equipment, and check the credentials of your ski instructor – if any seem unreliable then reconsider if it’s a smart move to go.
- Don’t get in over your head: be responsible when choosing a skiing or snowboarding destination or winter sports activity. Does it suit your experience level? Are you using an accredited tour operator?
- Keep an eye on your ski gear: don’t leave your expensive ski and winter sports gear or any other baggage unattended - those 'I spaced out” moments might not qualify for coverage.
- Be aware of skiing or snowboarding no go zones: don’t go into back country areas without taking local advice and appropriate rescue equipment. You should follow the International Ski Federation code or the resort regulations.
- Proof of purchase: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim.
- Be responsible: choose a ski tour operator that promotes responsible tourism, works as part of the local community, as well as actively helps to conserve the environment.
Travel insurance doesn’t cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. If you have any questions, please contact us.
FAQ's
Here are our most frequently asked questions about ski and winter sports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Does World Nomads travel insurance cover skiing and snowboarding accidents overseas?
Our policies can cover skiing and snowboarding accidents overseas. There’s cover for emergency medical expenses, evacuation and repatriation back home.
It’s important that you select the snow sports activities you intend to do when purchasing your policy. If you don’t declare the snow sports activities you intend to do, you may not be covered if you suffer an accident on the slopes. Restrictions apply to certain winter sport activities, so be aware of this so you’re covered if something goes wrong.
-
Are winter sports equipment covered by World Nomads travel insurance?
We can cover your ski and snowboard equipment if it is damaged, lost, stolen or delayed. Our travel insurance plans offer different limits of cover for baggage, so be sure to choose the plan that best meets your needs. Keep in mind that we can’t cover damage to sporting equipment while in use or loss, damage or theft of any sporting equipment left unattended. Be sure to read the policy wording for terms and conditions.
-
Do you cover snow trip cancellations due to adverse weather conditions on the slopes?
If your snow trip is cancelled, delayed or restricted due to a natural catastrophe such as avalanche, our policies provide cover for the value of your unused accommodation, less any refunds you receive, up to the benefit limit of your plan. If your trip is affected by a natural catastrophe be sure to get supporting documents for any claims.
-
Is snow sports cover just for medical expenses?
Snow sports cover provides cover for the unexpected, whether that’s a medical situation on the slopes, your gear is lost or delayed, or your trip is cancelled due to a natural catastrophe, including avalanches. Our policies can help protect you against those unexpected situations.
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?
- Ski 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
- Slipped on ice?
- Tore your ACL or MCL?
- Popped a shoulder?
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?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team