We're thrilled to announce a range of improved benefits, limits and services, along with the introduction of our new Annual Multi-Trip travel insurance product for UK travellers, designed to enhance your travel experience.

These new features bring you more coverage options and greater feature benefits, ensuring that every adventure is safeguarded. What hasn't changed is our commitment to the values and ideals that have always made World Nomads the preferred choice for adventure-minded travellers. Let’s dive in and explore what’s new.

New features added – even more on the way:

SmartDelay™: Our SmartDelay service hooks you up with free lounge access if your flight's delayed by 90 minutes or more. The service is available on all Annual Multi-Trip and Single Trip policies. The lounge pass will also be extended to up to 4 of your travelling companions, provided they’re listed on your policy and travelling on the same delayed flight. Check the Terms & Conditions to learn more about how the service works.

World Nomads Powered by Air Doctor: Air Doctor is a platform designed to connect travellers with trusted healthcare professionals around the world. Through this feature, World Nomads travel insurance customers will gain access to a network of carefully vetted doctors, ensuring they receive quality medical care wherever they may be. When seeking treatment for minor illnesses, travellers can rely on Air Doctor to provide them with access to medical professionals who speak their language and understand their needs, without having to go through a unfamiliar healthcare system.

What type of cover do I get with World Nomads new Annual Multi-Trip or Single Trip insurance policies?

When you choose a travel insurance policy, understanding the extent of coverage is paramount. Let's explore the benefits and limits associated with both the new Annual Multi-Trip and updated Single Trip insurance plans offered by World Nomads (as of June 27, 2024).

Annual Multi-Trip & Single Trip insurance (Standard):

• Cancelling or Cutting Short Your Trip: Benefit up to £3,000 for non-refundable costs incurred due to unexpected trip cancellation or early return.
• Emergency Medical Expenses Overseas: Coverage of up to £5,000,000 for medical assistance, treatment, evacuation, and repatriation.
• Personal Baggage: Protection of up to £1,500 against loss, theft, or damage to personal belongings during travel (£125 per item; £250 overall limit for valuables & gadgets).
• Travel Documents: Reimbursement of expenses up to £300 for replacing lost or stolen travel documents.
• Delayed Baggage: Benefit of £100 for purchasing essential items in the event of delayed baggage for more than 24 hours.
• Personal Accident: Coverage of £10,000 for accidental death or permanent total disablement (£5,000 for individuals under 18).
• Personal Liability: Protection of up to £2,000,000 for damages if legally liable for causing injury, death, or property damage to a third party.
• Additional Upgrades: Optional upgrades available for high-value luggage items.

Annual Multi-Trip & Single Trip insurance (Explorer):

• Cancelling or Cutting Short Your Trip: Benefit up to £5,000 for non-refundable costs incurred due to unexpected trip cancellation or early return.
• Emergency Medical Expenses Overseas: Coverage of up to £10,000,000 for medical assistance, treatment, evacuation, and repatriation.
• Personal Baggage: Protection of up to £3,000 against loss, theft, or damage to personal belongings during travel (£250 per item; £500 limit for valuables & gadgets).
• Travel Documents and Money: Reimbursement of expenses up to £600 for replacing lost or stolen travel documents and £200 for lost or stolen money.
• Missed Departure: Coverage of £1,500 for additional transport and accommodation expenses incurred due to a missed departure from the UK.
• Delayed Baggage: Benefit of £200 for purchasing essential items in the event of delayed baggage for more than 24 hours.
• Personal Accident: Coverage of £25,000 for accidental death or permanent total disablement (£10,000 accidental death benefit for individuals under 18).
• Personal Liability: Protection of up to £2,000,000 (total for all insured persons per trip) for damages if legally liable for causing injury, death, or property damage to a third party.

Additional Upgrades: Optional upgrades available for higher-risk sports and activities, as well as high-value luggage items.

Remember, the coverage limits mentioned above are per insured person per trip unless otherwise stated. A £100 excess may also apply per person per event. It's essential to review the Policy Wording and Policy Certificate for complete details on benefits, limitations, and exclusions.

What if I purchased a World Nomads policy before June 27, 2024?

For UK customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.

Whether you’re a frequent flyer or someone planning one big far-flung trip, the choice between an Annual Multi-Trip and a Single Trip policy can have a significant impact on your cover, as well as your bottom line. Let’s delve into the details to help you make an informed decision.

What is Annual Multi-Trip?

Annual Multi-Trip travel insurance is designed for Irish globetrotters who embark on multiple journeys within a year. With this type of policy, you’re covered for an unlimited number of trips within a specified region during the policy period. It's a cost-effective and convenient option for those who travel frequently.

What are the benefits and considerations of Annual Multi-Trip?

Benefits:

• Cost-effective: Instead of purchasing a separate policy for each trip, you pay once for year-round coverage.
• Convenience: We get it. Travel insurance isn’t the most exciting part in planning a trip. Say goodbye to the hassle of arranging insurance every time you travel with Annual Multi-Trip.
• Kids go free: World Nomads Annual Multi-Trip policies offer free coverage for children under the age of 18 travelling with an adult, making year-round family travel more affordable.
• Domestic travel: Our Annual Multi-Trip policy offers cover for both international and (subject to some restrictions – check your policy wording for more information).

Considerations:

• Trip duration limits: Each trip is capped at a certain number of days (31 days with the Standard plan, 45 days with the Explorer plan).
• Initial cost: While cost-effective in the long run, the upfront payment may be higher than a Single Trip policy.
• Policy renewal and auto-renewal: Annual Multi-Trip policies do not auto-renew. You'll need to purchase a new policy each year, but don't worry we will write to you 28 days before expiry so you can get another quote. On the other hand, Single Trip policies expire after each journey, requiring a new purchase for any subsequent trips.

What is Single Trip travel insurance?

As the name suggests, Single Trip insurance provides coverage for a single journey. It's ideal for travellers embarking on one-off vacations or business trips outside their home country.

What are the benefits and considerations of Single Trip?

Benefits:

• Flexibility: Tailored coverage for a specific trip, allowing you to customize your policy based on the destination, duration and planned activities.
• Less restrictions on trip duration: Enjoy the freedom to choose the length of your trip without worrying about exceeding coverage limits. Single trip policies have a 365-day limit, but if you wish to continue your trip you can simply purchase a new policy.
• Simplicity: (depending on your travel plans of course). You only need to focus on the details of one trip at a time.
• Less commitment: If you’re an occasional traveller rather than a frequent flyer a Single Trip policy offers cover when you need it, without the commitment or expense of an Annual Multi-Trip policy.

Considerations:

• Potentially higher costs: While cheaper for a Single Trip, multiple Single Trip policies can add up to more than an Annual Multi-Trip policy over time.
• Need for repeated purchases: You'll need to buy a new policy for each trip.
• No cover for domestic travel: Single Trip policies do not have cover when travelling within the UK.

Other factors to consider when choosing a travel insurance policy: 

Cover type: Annual Multi-Trip and Single Trip policies share some similarities, including benefits like trip cancellation, emergency medical expenses, and personal baggage cover. However, the limits and exclusions may vary between Standard and Explorer plans, so it’s essential to review the policy details carefully.

Trip duration: With Annual Multi-Trip insurance, each trip is typically limited to a specific number of days. Ensure the maximum trip duration aligns with your travel plans to avoid gaps in coverage. Single Trip policies offer more flexibility in trip duration. 

Travel companions: With an Annual Multi-Trip policy your children (aged under 18), if named on the policy, will also be covered (for free) when travelling with another adult for the full duration (365 days). A Single Trip policy will also include free cover for your children. However, cover ends when the Single Trip policy expires. 

Pre-existing medical conditions: Pre-existing medical conditions are not covered under either Annual Multi-Trip or Single Trip insurance policies. A pre-existing medical condition is defined as any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last). 

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions. 

Get a quote today for either an Annual Multi-Trip or Single Trip insurance policy.

Whether you’re a frequent flyer or someone planning one big far-flung trip, the choice between an Annual Multi-Trip and a Single Trip policy can have a significant impact on your cover, as well as your bottom line. Let’s delve into the details to help you make an informed decision.

What is Annual Multi-Trip?

Annual Multi-Trip travel insurance is designed for British globetrotters who embark on multiple journeys within a year. With this type of policy, you’re covered for an unlimited number of trips within a specified region during the policy period. It's a cost-effective and convenient option for those who travel frequently.

What are the benefits and considerations of Annual Multi-Trip?

Benefits:

• Cost-effective: Instead of purchasing a separate policy for each trip, you pay once for year-round coverage.
• Convenience: We get it. Travel insurance isn’t the most exciting part in planning a trip. Say goodbye to the hassle of arranging insurance every time you travel with Annual Multi-Trip.
• Kids go free: World Nomads Annual Multi-Trip policies offer free coverage for children under the age of 18 travelling with an adult, making year-round family travel more affordable.
• Domestic travel: Our Annual Multi-Trip policy offers cover for both international and (subject to some restrictions – check your policy wording for more information).

Considerations:

• Trip duration limits: Each trip is capped at a certain number of days (31 days with the Standard plan, 45 days with the Explorer plan).
• Initial cost: While cost-effective in the long run, the upfront payment may be higher than a Single Trip policy.
• Policy renewal and auto-renewal: Annual Multi-Trip policies do not auto-renew. You'll need to purchase a new policy each year, but don't worry we will write to you 28 days before expiry so you can get another quote. On the other hand, Single Trip policies expire after each journey, requiring a new purchase for any subsequent trips.

What is Single Trip travel insurance?

As the name suggests, Single Trip insurance provides coverage for a single journey. It's ideal for travellers embarking on one-off vacations or business trips outside their home country.

What are the benefits and considerations of Single Trip?

Benefits:

• Flexibility: Tailored coverage for a specific trip, allowing you to customize your policy based on the destination, duration and planned activities.
• Less restrictions on trip duration: Enjoy the freedom to choose the length of your trip without worrying about exceeding coverage limits. Single trip policies have a 365-day limit, but if you wish to continue your trip you can simply purchase a new policy.
• Simplicity: (depending on your travel plans of course). You only need to focus on the details of one trip at a time.
• Less commitment: If you’re an occasional traveller rather than a frequent flyer a Single Trip policy offers cover when you need it, without the commitment or expense of an Annual Multi-Trip policy.

Considerations:

• Potentially higher costs: While cheaper for a Single Trip, multiple Single Trip policies can add up to more than an Annual Multi-Trip policy over time.
• Need for repeated purchases: You'll need to buy a new policy for each trip.
• No cover for domestic travel: Single Trip policies do not have cover when travelling within the UK.

Other factors to consider when choosing a travel insurance policy: 

Cover type: Annual Multi-Trip and Single Trip policies share some similarities, including benefits like trip cancellation, emergency medical expenses, and personal baggage cover. However, the limits and exclusions may vary between Standard and Explorer plans, so it’s essential to review the policy details carefully.

Trip duration: With Annual Multi-Trip insurance, each trip is typically limited to a specific number of days. Ensure the maximum trip duration aligns with your travel plans to avoid gaps in coverage. Single Trip policies offer more flexibility in trip duration. 

Travel companions: With an Annual Multi-Trip policy your children (aged under 18), if named on the policy, will also be covered (for free) when travelling with another adult for the full duration (365 days). A Single Trip policy will also include free cover for your children. However, cover ends when the Single Trip policy expires. 

Pre-existing medical conditions: Pre-existing medical conditions are not covered under either Annual Multi-Trip or Single Trip insurance policies. A pre-existing medical condition is defined as any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last). 

This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions. 

Get a quote today for either an Annual Multi-Trip or Single Trip insurance policy.

Traveling comes with unexpected challenges that can turn moments of joy into times of stress. When circumstances change, the emotional toll can be significant. Understanding the help available to you and your loved ones can help ease anxiety.

This article is for all our travelers facing urgent situations while abroad – be it a medical emergency, a sudden family crisis back home, or unforeseen incidents like theft. 

Important first step: if you’ve found yourself in an emergency, call our 24/7 Emergency Team immediately so we can confirm your benefits and oversee your care.

• What should I do if I’m caught in a natural disaster while traveling?
• What should I do if I have a medical emergency while traveling?
• What should I do if I have an emergency and need to go back home?
• What should I do if there’s a criminal or terrorism emergency while traveling?
• What else is covered by travel insurance?
• How to submit a travel insurance claim
• What are some things travel insurance would not cover in an emergency?
• Tips for staying safe in an emergency

What should I do if I’m caught in a natural disaster while traveling?

If a natural disaster strikes while you're traveling with World Nomads travel insurance, first ensure your safety and follow any instructions given by local authorities. Once you are safe, contact our emergency team so we can assist. 

You're covered for various natural disasters, including earthquakes, floods, and hurricanes so long as the event happens before you bought your policy (you won’t be covered for a known event). This coverage helps manage unexpected changes, like emergency accommodation or rearranging travel plans if your flights are cancelled or delayed. There are certain restrictions though and coverage is limited to your policy limits. You can read more about this here.

Keep all receipts and documents related to any extra expenses or changes to your itinerary – you’ll need them to make your online claim.

Traveler tip: we won’t cover you for any expenses relating to natural disasters should you decide to travel to, remain in, or plan a journey to a region that has issued a 'Do Not Travel' warning. Keep an eye on the latest government advice for any travel alerts.

What should I do if I have a medical emergency while traveling? 

Medical emergencies can be scary, especially in unfamiliar places. If you face a medical emergency, suddenly fall ill, have an accident while overseas, or someone on your policy passes away while traveling, follow these steps:

1. Seek immediate help: your health is our priority. Call local emergency services to receive any necessary medical attention.
2. Contact our 24/7 Emergency Assistance team: we’re here to help you navigate these challenging moments. 
3. Follow professional advice: Adhere to the medical professionals’ guidance. We can coordinate directly with them to ensure you receive the international medical care you require, including emergency evacuation and repatriation if required.
4. Keep documentation: save all medical reports, receipts, and relevant documentation – these are essential for processing your claim. Learn about what happens if you are missing something.
5. Stay in touch: keep us updated on your situation. If your condition changes, it’s crucial we know.

What if a medical emergency happens at home before you leave? Read our articles on what to do if you can’t travel because someone at home is sick or injured and travel insurance for cancellation.

Refer to your policy documents or contact us for further clarification – we’re here to help. 

What should I do if I have an emergency and need to go back home? 

World Nomads understands the stress in an event where you need to make a sudden trip home. Here's what to do for support:

1. Contact our team: reach out to our emergency assistance team immediately. 
2. Check your coverage: review your trip interruption coverage details to understand what costs your policy can cover in case of family emergencies.
3. Organize your travel: need a last-minute flight home? Our team can guide you through the process to ensure it aligns with your insurance benefits. 
4. Document everything: keep all relevant receipts and documents from your travel changes. For guidance on claims, check our detailed article on how to make a claim. 
5. Stay Informed: keep communication lines open with your family and our assistance team to adjust your travel plans as the situation develops. 
6. Manage your accommodation: take care of overseas accommodation by cancelling bookings or notifying landlords. Note: expenses won’t be reimbursed if you haven't made reasonable efforts to cancel or obtain refunds.

What should I do if there’s a criminal or terrorism emergency while traveling? 

If you experience the unsettling event of a criminal or terrorism incident during your travels, here’s how World Nomads travel insurance supports you:

1. Your safety is paramount: if you’re in danger, seek a safe location immediately. For emergencies, contact local authorities for assistance.
2. Contact our team: once you are safe, inform our 24/7 Emergency Assistance Team. Translators are available in dozens of languages, if that could help you situation.
3. Review your coverage: learn about travel insurance and terrorism to understand the specifics of your coverage related to criminal or terrorism incidents. 
4. Stay informed and follow official guidance: stay updated with local news and travel advisories from your home country’s foreign affairs department. Adhere to all advice and directives from local and international security services. Be sure to also check our travel alerts for recent events.
5. Document everything: collect and safeguard all relevant documentation, such as police reports and receipts for expenses incurred. These are crucial for any potential insurance claims.

What else is covered by travel insurance?

Beyond immediate emergencies, World Nomads travel insurance coverage includes various scenarios depending on your level of coverage. Coverage includes:

• Lost or stolen luggage
• Delayed baggage
• Emergency evacuation
• Unexpected airline issues, including flight delays
• 150 + adventure sports and activities

How to submit a travel insurance claim 

Once you're safe, you should submit a claim. Gather all relevant documentation (medical reports, receipts, police reports, etc.) and submit the claim online, wherever you are in the world.  

Still trying to figure out the process? Check out our step-by-step guide explaining how to make a claim or contact us. 

What are some things travel insurance would not cover in an emergency?

Travel insurance supports your journey but excludes specific scenarios:

• Foreseeable events: no coverage is provided for predictable events announced through media or official channels before your travel commenced or your policy was issued.
• Non-essential costs: unnecessary, unreasonable, or extravagant expenses are not covered.
• Failure to follow the law: you’re not covered if you disregard laws or fail to take reasonable precautions following public warnings of disasters, terrorist acts, or other emergencies.
• Reckless behaviour: coverage does not extend to incidents where your safety is compromised through deliberate recklessness, including being under the influence of drugs or alcohol.
• Voluntary plan changes: if you choose to alter your travel plans without necessity, the change is on your chequebook, not ours.

Tips for staying safe in an emergency

• Stay informed and prepared: continually monitor local news for updates and have an emergency plan with key contacts and routes.
• Carry essential supplies: keep hardcover copies of important documents, a basic first aid kit, and a portable charger handy.
• Know emergency contacts: memorize local emergency numbers and the location of your embassy or consulate.
• Avoid risk areas: steer clear of known dangerous areas and heed travel advisories and warnings.
• Stay calm and use common sense: try to stay calm and think things through in an emergency. It’s okay to feel scared, but staying clear-headed can help you handle the situation better.
• For more emergency safety tips, check out our Travel Wiser article.

Traveling soon? Get a travel insurance quote.

• Should I consider travel insurance for a safari?
• Does travel insurance cover other adventure activities I might participate in during my trip?
• What else is covered by travel insurance?
• What are some things trip insurance would not cover?
• Tips for preparing for your safari adventure

Some people like to go wild when they are traveling, and some people like to go into the wild. If your version of wild involves searching for the Big 5 in the Serengeti or Maasai Mara, you’re our kind of person. 

Just imagine-you’re bouncing around in your rugged 4x4 jeep as you trek through Kruger National Park in South Africa. Will today be the day you see a herd of elephants crossing the Sabie River or a lioness out on a hunt with her cub? 

You’re then quickly shaken from your daydream by a loud thud on the hood of your jeep. You make eye contact with a leopard before he leaps off and runs into the bush. It’s a memory that you’ll be bragging about for years to come. However, in that moment, all the “what-ifs” also come to mind... should you have considered a travel insurance plan with adventure sports cover?

Should I consider adventure travel insurance for a safari?  

There is such an allure of seeing wild animals in their natural habitat, but you have to remember - these majestic creatures can sometimes have erratic behavior. If you’re on a safari with an experienced guide, the chances of something happening are minimal. When you’re dealing with wildlife though, anything can happen. 

You’ve surely heard about the rare incidents of people being ambushed by a hippo or trampled by an elephant. If you get injured, you’re going to need immediate medical care. Travel insurance could help reimburse you for expenses like x-rays, prescription medications, a hospital stay, or other emergency medical needs you may have if you get hurt on your safari. 

Does travel insurance cover other adventure activities I might participate in during my trip?

You may be going to Zambia on a mission to see zebras roaming freely at Mosi-Oa-Tunya National Park, but you may also decide to hike the Boiling Pot trail near Victoria Falls or go whitewater rafting on the Zambezi River while you are there. 

World Nomads offers adventure travel insurance that covers more than 150 activities. When you get a quote, you can select your country of residence, and easily compare our Standard and Explorer plans side by side. The Explorer plan has higher limits and sub-limits of coverage, and for some countries of residence, it includes additional covered activities. Depending on your country of residence, you may need to add activities to your policy when you purchase it. Check out both plan options, because only you can decide the best travel insurance for your needs.

If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes. 

What else is covered by travel insurance?

In addition to emergency medical cover, international travel insurance could help with several other unexpected situations you may encounter on your safari. Depending on your country of residence, World Nomads may also offer cover for: 

• Baggage and Gear: If the airline lost the bag that held your binoculars, baggage insurance may help reimburse the cost to replace them if your bag was lost by a common carrier.  
• Trip Interruption and Cancellation Insurance: If your travel buddy gets severe food poisoning from something he ate, it may put a screeching halt to your plans. If something unexpected happens and you need to cancel or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses. 
• Evacuation: If you’re going on a safari, there’s a good chance you may be in a remote destination where there aren't nearby medical facilities. If something happens and you need to get immediate medical care, the 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.  

What are some things trip insurance would not cover?

If you have too many glasses of South African wine at lunch and then try to sneak up to a sleeping lion to grab a selfie, you won’t be covered if that goes terribly wrong. Travel insurance won’t cover you if you are under the influence of drugs or alcohol while you are on your safari. It’s also important that you follow the guidance of your safari guide at all times and view wild animals from a safe distance. Some other things that are not covered include: 

• Any pre-existing medical condition(s) as explained in the policy wording
• Wandering from camp on your own, leaving your guide and common sense behind
• Not following government ‘Do Not Travel’ warnings issued prior to departure
• Participation in other activities not listed as covered in your policy

Tips for preparing for your safari adventure 

One thing our team at World Nomads definitely recommends is making sure your camera stays fully charged at all times. You never know what you may see at any given moment. It’s also a really good idea to bring an extra camera battery along. Trust us on this one-you don’t want to miss the money shot!

It’s also important to stay safe on your safari adventure because you don’t want it to get cut short. Here are a few of our tips: 

• Do your research and book with an accredited tour operator.
• Follow your guide’s instructions at all times and view wildlife from a safe distance.
• Wear boots and socks when walking around in the bush.
• Talk to your doctor to see if prescription antimalarial medication is recommended. Depending on the medication, you may need to start this prior to your trip. 
• Check with your country’s government health department to see if they have issued any health advisories for your destination.
• Don’t be afraid to ask if the water is safe to drink when you are in remote locations.

This is only a summary of cover 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