Get the medical treatment you need after being attacked.
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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.
Physical and sexual assault aren't something you want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travellers. That's why we're here to help you. While some destinations have higher incidents of assault than others, no destination is immune.
To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.
If you're unsure what to do, call our 24/7 Emergency Medical Assistance Team and they'll be able to guide you. Our Emergency Assistance Team has extensive experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.
If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:
Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk.
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.
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly
So that our Emergency Medical Assistance Team can assist you quickly, please be ready with the following:
During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on a ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after I was seen by group of teenagers walking nearby and they ran to help me. Those people called ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere are our most frequently asked questions about assault. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Wherever you are, we’re there to help!
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Find the right Emergency Assistance team:
As we've changed insurers for travelers from various countries (except USA, Canada, Australia, New Zealand, Brazil or China), please select the date you purchased your policy for the correct 24/7 emergency assistance team details:
On or after 2 December 2018
Before 2 December 2018
Call our assistance team. They're available 24 hours/7 days.
Phone: +353 21 237 8009 or +353 21 237 8003 (Call via an operator reverse charges. Not toll free. Call costs are claimable.)
Phone: +61 28263 0470 (Call via an operator reverse charges. Not toll free. Call costs are claimable.)
Email: assist@worldnomads.com
Note: For policies purchased on or after 2 December 2018 your policy is underwritten by nib Travel Services Limited (formally known as Nomadic Insurance Limited).
Call the multilingual Bupa Global Assistance team in Denmark. They're available 24 hours a day, 7 days a week:
Phone:+45 70 23 24 61 (calls are not toll free. You can claim your itemised call costs)
Text message: +45 42 41 30 00 (include your policy number in the text message. No phone calls.)
Email:emergency@ihi.com
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
I was bitten by a tick in Sierra Nevada region on my trip in Colombia, and infected by borrelia. A doctor examined me and I have received treatment for borreliose with antibiotics and probiotics. However, as the brain fog and dizziness persisted even during continuing treatment, the emergency assistance team organised medical repatriation as it is not safe for me to travel with these symptoms.
World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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World Nomads travel insurance has been designed by travelers for travelers, to help you explore your boundaries
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Find out how we could help if you're caught up in a terror attack.
For information relating to policies purchased prior to 05 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 05 May 2022 please see below.
This information is for New Zealand residents.
There's a lot of media around this, and there's a lot of allure in danger too. When everyone is saying something different about the risks of travel, it's hard to get a clear picture of what's going on. It also raises lots of questions about how insurance works.
If the event is unforeseen – which by their very nature terrorist attacks almost all are, you could be covered for:
In addition, we also have 24/7 Emergency Assistance Teams who can assist you – keeping you informed, putting you in contact with consular officials, arranging medical care, and getting in touch with your family for you.
Travel insurance isn’t designed to cover everything. We often see claims for terrorism that we have to decline because the New Zealand plans excludes them:
Also, we don't cover anything that happens because you made jokes about terrorism or bombs while standing in an airport security screening area or other high security environment. Those people do not have a sense of humour, and you won't be laughing when they reach for the latex gloves.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
It’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance Team can assist you quickly, please be ready with the following:
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Learn how travel insurance could help if your luggage misses your flight.
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So you've arrived at your destination and spent your first two hours on the ground watching a baggage carousel grow empty without ever coughing up your bags. This happens a lot. It's really annoying. Happily, there's someone to blame. That's the airline.
In every airport, there's a lost luggage counter where you can report your missing items. You’ll need to get a Property Irregularity Report (PIR) from that counter.
If you're luggage is delayed by more than 12 hours, our policies cover essential purchases (toothbrushes, deodorant, clean undies, etc.).
There are limits on the amount you can spend. So before you go shopping for a new wardrobe, check your policy carefully on the limits, conditions and exclusions which may apply before you buy.
If you need to make a claim, you'll also need to fill in all of the documentation required by the carrier and submit this with your receipts.
Delayed luggage once you're back home. You've now got access to your full wardrobe, so you shouldn't need anything from your bags. When you're shopping for essential purchases, think Walmart and the chemist, not high street fashion and designer labels.
Oh, and carry your prescribed medication and a spare prescription in your carry-on luggage. We don't cover a trip to the doctor for a new script or replacement meds.
Oh, and carry your medication and a spare prescription in your carry-on luggage. We may not cover a trip to the doctor for a new script or replacement meds unless these expenses are related to an existing medical condition we don’t cover.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Items you can claim if your bags are delayed:
Items that aren't covered if your bags are delayed:
I flew from Spain to Copenhagen via Brussels. When I arrived in Copenhagen my bag did not arrive with me. I made a claim with the airline and they said it would reach me in time before I fly out to Los Angeles. But my bag did not arrive in time. This claim is for delayed luggage over the period without clothing.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere 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.
When your illness or injury stops you in your tracks & you have to get home for treatment.
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When a condition is truly life-threatening and the local hospitals can't look after you, or if we decide you need to be bought home for further treatment, there's cover in World Nomads travel insurance policies to bring you home to recover. That can be anything from an air ambulance a private jet, hiring a doctor, a nurse, a pilot and a co-pilot, and flying you to a hospital where they can deal with your condition), to an upgrade.
If you’ve selected the policy for the activity you’re doing and we believe it’s medically necessary to bring you home for ongoing treatment, there’s cover in all of our policies for:
It's important to note that you need to contact our 24/7 Emergency Assistance Team before making any plans, regardless of what your treating doctor says. Our team are experts in this field, with the help of treating doctors the experienced members of the EA team can work out what's best for you... and, if you need to move, it can be prepaid so the money doesn't come out of your pocket.
First up, if we can, we'll use your existing ticket home. Date changes, and upgrades are often the most effective way to do this. You won't be able to claim that flight. Likewise, if we buy you a new flight, you can't claim for your unused flight home either.
Travel insurance isn’t designed to cover everything. Common claims we see where there's no cover include:
For more information check out our article on medical transport and repatriation and read your policy carefully before you buy.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
It’s essential that you get in contact with our 24/7 Emergency Assistance Teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
I went to the supermarket. When I got inside I was feeling strange, - stomach pain, light headed, clammy, loss of sight and part of hearing, went outside to get some air, thinking maybe my blood sugar was low. I went inside and got one of the clerks to get me a juice. I sat down on the ground because I was feeling weak. The guy brought me the juice I had some, stood up to pay then passed out. I don’t remember hitting the ground, but woke up to people around me and somebody on the phone to the ambulance. I didn’t want them to call but they said I hit my head pretty hard that it bounced off the ground.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere are our most frequently asked questions. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Learn how travel insurance could help your family if you die overseas.
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For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
It's not something anyone wants to talk about, but fatal accidents and illnesses do happen. For those worst case scenarios, your family will need help and support; emotional, logistical and financial.
Our Emergency Assistance Team can help your loved ones get you home – they're available 24/7 for help, they have the expertise to handle some aspects of international bureaucracy such as helping out with the paper work and working with relevant government departments and the policy can help with the associated costs.
The priority of your loved ones will be to bring you home; we’ll be there to help take away the added stress of navigating overseas laws, different languages and formalities.
If you die overseas as the result of an accident or a sudden and unexpected illness, you may be covered for:
We also have access to some of the New Zealand Government's MFAT services, so for countries where the local laws are complex, we can call on some additional support.
Note: In case of death, the death certificate and a medical report must be included with any claim.
A lot of the exclusions to medical cover do also apply here, so take the time to read the policy. In the event of a fatal illness or injury, if we're not going to cover your medical expenses and you then pass away, there won't be any cover under this part of the policy either.
Some other events we do not cover are:
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
It’s essential that your family or travel buddy get in contact with our Emergency Assistance team 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:
So, leave a copy of your policy with your family or friend, just in case they need to use it.
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.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamLearn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
Unlike all the other benefits, cancellation cover starts from the moment you buy your policy, not when your trip starts. So if you've got travel booked starting a month from now and you buy insurance now, if you suddenly need to cancel your trip, you may be covered.
If you're a New Zealander, World Nomads can cover you for various reasons if you have no choice but to cancel your trip. Cover is provided for the value of your unused arrangements, less any refunds you receive and up to the benefit limit of your plan. Always ask for refunds from your transport or accommodation providers – you'll be surprised how often you can get something back! And most importantly, get supporting documents for the reason you had to cancel.
We won't list all covered reasons for cancellation here, but the main ones that travellers claim on are:
If you want to see the other reasons for cancellation World Nomads can cover, read this article which will also give you further information on conditions.
World Nomads can offer benefits for medical issues related to Coronavirus (COVID-19). If you are diagnosed with COVID-19 while overseas and it’s not considered an ‘existing medical condition’ under our policy, your benefits may include:
In addition, our Explorer Plan also has a Coronavirus Travel Costs benefit for certain events. You can check out our Coronavirus cover article which has all of the details, including benefit limits and exclusions.
Travel insurance isn't designed to cover everything. Common claims we see where there's no cover for cancellation include:
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
Depending on your claim, you'll need copies of:
My grandson died on the 28th of March 2015, from complications brought about by his premature birth. We held his funeral the day I was due to join my tour. I cancelled this tour.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our helpdesk or you can ask the customer service team.
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 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This shouldn't need saying, but just in case, here it is: Talk to your doctor about your travel plans. Listen to what they say.
Have that conversation before you buy insurance or even book your flights.
While pregnancy is not considered an existing medical condition, there are limits and restrictions on how and when we cover pregnancy, so it's good to be informed before you start planning your trip.
The most important thing to know is this: If you fell pregnant before you bought your insurance or fall pregnant afterwards, cover may be available for a pregnancy related illness that occurs up to the end of the 26 week of your pregnancy. Also, you can’t have a history of any complications with any previous pregnancy.
If you meet the above criteria and suddenly something medical happens to you while you're overseas, being pregnant won't change your cover. When looking at whether you should continue travelling after your illness or injury, our 24/7 Emergency Assistance team will take the pregnancy into account.
Aside from a pregnancy not falling within the above guidelines, we also won't cover any childbirth, antenatal care or newborn care costs, regardless of whether we're covering the pregnancy itself. We won't cover a loss arising from pregnancy-related illness after the 26th week of gestation.
We also won't cover you if your medical practitioner told you not to travel, nor will we cover you for any routine check-ups.
If you're thinking about getting pregnant, please know that we don't cover any costs relating to fertility treatment, either. These restrictions also apply to members of your travelling party and close relatives.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible so that our teams can support you from the time your fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance teams can assist you quickly, please be ready with the following:
Emma began experiencing intensely painful stomach cramps in our hotel room at the Ohana Waikiki West, Honolulu, Hawaii. No 24 hour doctors were available, so we took a taxi cab instead of ambulance, which hotel security offered to arrange to nearest hospital (Straub). Hotel security also took notes of these events. After assessment in the emergency department, the diagnosis was a threatened miscarriage (not aware of being pregnant, hospital staff estimated Emma at 7weeks pregnant at the time). Medication was given for pain relief, blood tests taken and an ultrasound performed. Emma was discharged and was requested to have another blood test on the following Monday and referral to a local Doctor for a follow-up appointment. Emma spoke to Doctor on phone about results of blood test and further information instead of visiting him as it would have been the morning we were flying back to New Zealand.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamHere 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.