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.

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.

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.

World Nomads loves the snow

As passionate ski bums, we’ve designed our plans to cover the style of riding our Nomads love the most*:

• Skiing and boarding within resorts
• Cross country skiing on marked trails
• Terrain parks and heli-skiing 
• Ice skating, snow rafting & more

*All plans are different and may require an upgrade for skiing or snowboarding cover to apply. Conditions and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

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.

Food poisoning definitely isn’t on the menu for most of our travelers… but then again neither is Coronavirus (COVID-19), scooter accidents, brain aneurysms or shark bites.

We’ve seen all of these and more in our claims department at World Nomads and that’s why we think you’d have to be mad to travel anywhere overseas without Medical Travel Insurance.

What’s covered?

If you’re accidentally injured or suddenly get ill while traveling, our 24/7 Emergency Assistance team is on hand to help you. Our coverage includes:

• Costs of medical facilities and doctors
• Hospitalization
• Out-patient care and day surgery
• Ambulances
• Prescribed medicines
• Evacuation and repatriation if pre-approved by us
• Prescribed physiotherapy treatments in hospital where considered medically necessary.

We can provide support in accessing medical facilities overseas, assist you with paying your bills, getting medical transport, and finding the right medical facility to treat your injury/illness.

Am I covered for any medical issues related to COVID-19?

As COVID-19 travel restrictions across the world continually change day by day, we understand that travelers want to start to plan for their future travel, and we’re here to support them in doing so. So we’ve added some coverage for COVID-19-related events on both our Standard and Explorer Plans; benefits and limits vary.

If you are diagnosed with COVID-19 while overseas, your benefits may include:

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

If you have purchased the Explorer Plan, you may have some coverage for trip cancellation events which are outside of your control and caused by:

• You or a member of your traveling party being diagnosed with COVID-19.
• Your close relative back home being hospitalized or dying due to COVID-19.
• You or a member of your travelling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

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

What’s not covered?

• Injuries/illnesses as a result of drugs or alcohol intoxication.
• If you do anything illegal.
• Any sexually transmitted diseases or sexually transmitted infections (except where contracted through an assault).
• Where you've been acting recklessly.
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
• Pre-existing medical conditions.
• Ongoing treatment at home.

If you’re injured or have an illness that we believe is best treated at home, we may make the decision to repatriate you even if you don’t want to go. You must be aware that if you choose not to go, against our advice, then that will void your travel insurance with us.

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.

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.

Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.

In order to help our travellers get back on their feet, our policy has been designed to help out when some unexpected illness or injury strikes, to get back on the road again.

What’s covered by overseas medical travel insurance?

World Nomads travel insurance covers accidents and emergencies when you’re travelling abroad.

If you’re accidentally injured or suddenly become ill while traveling, our 24/7 Emergency Medical Assistance Team is on hand to help you. Cover may include:

• Assistance locating and paying for medical care abroad.
• Hospitalisation.
• Out-patient care and day surgery.
• Ambulances and medical transport, including by helicopter if medically necessary and available.
• Transport back to your country of residence if we deem it medically necessary.

Am I covered for COVID-19 while overseas?

Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording). If you are diagnosed with COVID-19 while abroad your benefits may include:

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

You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.

Reciprocal health agreements and medical cover

World Nomads policies cover accidents and emergencies only, and it is not a private health insurance/private medical insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no available reciprocal health agreement in the country in which you are travelling.

If you are travelling to a country where there is a reciprocal healthcare agreement in place with your country of residence, such as Australia, you will need to apply for reciprocal health cover before you leave home, including obtaining a European Health Insurance Card (EHIC).

What’s not covered by travel insurance?

Though our policy may cover accidents and emergencies, it’s not a catch-all for every scrape you might find yourself in. Medical conditions or circumstances we don’t cover include:

• If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
• Injuries or illness from drugs or alcohol abuse.
• If you’ve been acting recklessly.
• Pre-existing medical conditions as explained in the policy wording.
• Ongoing medical treatment at home.
• Non-emergency treatment that can wait until you get home.
• Cosmetic treatments.
• If there is a reciprocal health agreement between your country of residence and the country in which you are travelling.
• If you booked a one-way ticket to your destination, we will not pay for your return ticket home.

How to get medical assistance

It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as you are aware that you will be admitted as an inpatient for at least one night so that the team can support you from the time you fall sick or get injured until the time you're well again.

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

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.

In today's interconnected world, more and more people are embracing the freedom of living and working abroad as expats or digital nomads. Whether you're setting up a home base in a new country or embarking on a nomadic journey, consider travel insurance when packing for your overseas adventures.

• Why expats and digital nomads should consider travel insurance
• Planning on some adventures?
• Cover for accidents and injuries
• Cover for your tech
• What’s not covered
• FAQs

With World Nomads travel insurance you can be covered for benefits from medical emergencies to damaged, lost or stolen tech, cancellations and trip interruptions and more than 150 activities and sports, so you can focus on exploring new horizons.

Why expats and digital nomads should consider travel insurance:

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

Here are a few reasons why expatriates and digital nomads keep coming back to World Nomads for their travel insurance:

Flexible policies

We know it’s not easy finding travel insurance when you’re not living in your home country, so we have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need. You can choose the policy and options that suit your needs and manage your policy in our online portal.

Accessible coverage even after you’ve left home

Our travel insurance is available to most nationalities living or traveling outside of their country of residence. You can purchase our policies online and you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.

Cover for multiple destinations

If you're a digital nomad travelling to multiple countries, World Nomads travel insurance offers cover for with multiple destinations to ensure you're protected wherever your journey takes you.

Cover for unexpected cancellations

Unforeseen events such as family emergencies or job changes may force you to cancel or cut short your trip. World Nomads travel insurance may reimburse you for non-refundable expenses depending on what has happened and your specific circumstances.

Cover to suit your needs and budget

To help meet the needs of expats we offer two travel insurance plans – Standard and Explorer - each of which offers different levels of coverage and benefits so you can choose the plan that suits you.

Planning on some adventures?

Part of living and working abroad is having adventures! Depending on your country of residence and the plan you have selected , our policies can offer cover for more than 150 activities, sports and experiences, including working and volunteering. Some of the activities we can cover include:

• Bungee jumping
• Hiking up to 6,000 metres
• Kayaking, rafting, surfing and other water sports
• Manual and non-manual work and volunteering
• Scuba diving
• Skiing and snow sports

If you’re not sure if something you’re planning on doing is covered, please contact us.

Expat tip: be sure to have the appropriate visa to work under the local laws of the country you’re visiting.

Cover for accidents and injuries

Our policies can cover emergency overseas medical expenses, (up to the policy limits and when agreed by us, for up to 12 months from the date the illness first appears or injury happens) for events including:

• Medical evacuation
• Admission and treatment in hospital
• Emergency dental treatment
• Repatriation home

The 24/7 emergency assistance team can arrange medical transport, locate the closest medical facility, and give support to you and your family.

Expat tip: travel insurance is not health insurance. Our policies will not cover you for ongoing care. Your employer or host should take care of your medical cover.

Cover for your tech

If you’re living and working abroad, your tech is your lifeline. Whether you’re plugging into your social network or surfing remotely from a shared workspace, we can help protect your laptop, smart phones, devices and other personal items and baggage, up to certain limits and depending on the plan you choose. For more information on how to cover your tech gear read our Help Center FAQ.

Expat tip: keep a copy of receipts for your electronics as you will need them in the event of a claim.

What’s not covered

Travel insurance isn’t designed to cover everything so make sure you read the Policy Wording for what is and isn’t covered. That way there are no surprises if you need to use it.

Some of the main things that aren’t covered include:

• Any pre-existing medical condition
• Where care is available under any Reciprocal Health Care Agreement
• Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State.
• Some types of work and duties such as working at heights, operating machinery, working offshore and underground, and working with dangerous animals.
• Participation in any adventure sports, activities, work, study or volunteer experiences where you don’t select the appropriate upgrade or where it is specifically excluded
• Anything else that’s listed in the General Exclusions and specific section exclusions in the Policy Wording.

FAQ's

• What documentation do I need to provide if I need to make a claim?

  Documentation can differ depending on what you’re claiming however keep copies of every expense, bill, invoice and report.

• How long can I be covered for?

  The maximum duration available for any policy, including extensions, is 12 months from the start date. If you need cover beyond 12 months, you can buy a new policy.

For information relating to policies purchased prior to 8 November 2022, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 8 November 2022, please see below.

With flexible travel insurance that covers more than 150 activities, sports and experiences, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.

Travel insurance for expats

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

There are three main reasons expats keep coming back to World Nomads for their travel insurance:

1) Flexible travel insurance.

We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need.

2) Accessible online travel insurance even after you’ve left home.

Our travel insurance is available to most nationalities living or travelling outside of their country of residence. You can purchase online using a credit card as you don’t have to be in your country of residence to purchase it; however there are some exceptions to this, so please check the policy before purchasing.

3) All the essentials you need covered, and more...

World Nomads designed its travel insurance around what our travellers most often claim for and tell us they want. In addition we cover more than 150 activities and events.

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.

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.

Having insurance to cover some dental incidents can mean the difference between a taste adventure or a disaster. That’s why we offer travellers some cover for dental treatment just in case you happen to indulge in some tasty food but which may leave a bad taste in your mouth if you chip a tooth or you get an infection.

Whether you’re sampling the ktefa in Morocco or taking the durian challenge in Thailand, sudden and serious pain in your teeth can stop you in your tracks.

What’s covered?

All of our plans can cover emergency dental treatment abroad if you urgently need to see a dentist for the immediate relief of sudden and acute pain while travelling such as if:

• You get an unexpected infection
• You've broken your tooth

If you’re experiencing tooth pain, contact our 24/7 Emergency Medical Assistance Team who will help you locate a qualified dentist nearby.

What’s not covered?

Travel insurance isn’t designed to cover everything. Common dental claims we see where there's no cover include:

• Dental work other than that related to emergency dental pain relief
• Cosmetic dentistry or whitening
• Pre-existing dental problems as explained in your policy wording
• Major dental work, such as crowns, dentures, bridges and implants
• Any dental treatment after your return to your country of residence

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.