Travel insurance for Laos
Whether you’re chasing waterfalls or Buddhist temples, learn how travel insurance can benefit Americans traveling to Laos.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
At a glance:
- Travel insurance benefits for Laos may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across Laos (kayaking and rafting included)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Laos?
- Travel insurance for activities in Laos
- Travel insurance for motorbiking in Laos
- Travel insurance support for medical emergencies in Laos
- Travel insurance for stolen items in Laos
- Travel insurance for canceled, interrupted, or delayed trips to Laos
- Tips for traveling to Laos from the United States
Also known as the “Land of a Million Elephants,” Laos offers an intriguing blend of Buddhist culture, French colonial history, Khmer ruins, scenic landscapes, and laidback villages. Whether you want to go caving in Tham Nam, learn from remote mountain tribes like the Hmong and the Karen, or visit Buddhist monasteries like Pha That Luang, Laos has plenty of highlights that rival its more well-visited neighbors. You can chase islands, caves, and waterfalls in Southern Laos or head to Northern Laos for hiking, cultural, and cycling adventures.
In Vientiane, you can kick back at a trendy café, admire colonial era architecture, step back in time at historic Buddhist temples, and sample Laotian specialties like Khao Piak Sen (rice noodle soup). Beyond its buzzy cities, Laos is also a wonder for nature seekers. You can refresh in waterfalls, look for river dolphins, or take a boat ride in Nong Kiau.
While a trip to Laos is an incredible experience, there are some things to be aware of when visiting from the US, including lost luggage and motorcycle accidents. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Laos.
Do I need travel insurance for Laos?
International travel can bring unexpected surprises, like coming across a mountain covered in ancient stone jars in Xiangkhoang Plateau. However, some surprises are not as exciting. Nobody wants to think about delayed flights or lost bags, but these things can happen unexpectedly.
If you get into a motorcycle accident while biking around Luang Prabang, you may need to see a doctor. You may then wish that you had travel insurance for Laos.
World Nomads has four plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance plan for your needs.
Travel insurance for activities in Laos
From the meandering Mekong River to the rolling mountains, Laos is plentiful with adventures. Seventy percent of the country’s geographic area is made up of mountains, highlands, and plateaus, after all. While you may not be able to go tubing in Vang Vieng anymore, the area remains a hub for rock climbing, mountain biking, kayaking, and other outdoor adventures. World Nomads covers more than 250 activities for Americans traveling to Laos and includes things like climbing Phou Bia—the highest mountain in Laos--, rafting on the Lao River, and canyoning in Nam Sa Nam.
When you get a quote for your travel insurance for Laos, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing your activities in advance will help you choose the best insurance for your trip.
You can volunteer with ethical wildlife non-profits like Lao Conservation Trust for Wildlife or motorbike the Bolaven Plateau Loop—home to waterfalls and coffee plantations—with any plan, including the Standard Plan. If taking a hot air balloon ride over the cliffs of Vang Vieng is on your bucket list, though, you’ll need to invest in the Explorer or the Epic Plan.
Travel insurance for motorbiking in Laos
Motorbiking is common in Laos, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.
We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Laos because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The rules of the road can be very different from back home in the United States. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Laos won’t cover you.
If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Laos before you leave the US. You can get specific license requirements for Laos on the U.S. government’s website and will want to review your plan wording carefully when you get a quote for travel insurance for Laos. We also recommend that you read up on how to safely motorbike in Laos.
Travel insurance support for medical emergencies in Laos
Before you leave the United States, we recommend you book an appointment with our Pre-Departure Telehealth service. This non-insurance service offers online consultations 24/7 and can help you obtain necessary medications before you take off for Laos, such as certain vaccinations or antimalarial medication.
We also recommend you pack a strong mosquito repellent and sunscreen to keep you protected on your travels. You should avoid drinking tap water and instead stick with boiled or bottled water. Trust us, food poisoning is a sure way to throw off your travel plans!
Medical care in Laos looks a bit different than what you’re used to in the US. If you get injured while climbing Pha Daeng, you may need to seek medical attention. In the event of a medical emergency while traveling in Laos, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.
If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Laos may cover the costs to get you there.
Travel insurance for lost and stolen bags in Laos
What happens if you land in Vientiane to find that your bags haven’t arrived? It’s no fun to be waiting at the luggage carousel wondering if your bag is on its way. If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is another of our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
While Laos is generally a safe place, petty theft and pickpockets can happen in crowded tourist spots or on public transportation. Like anywhere you travel, it’s smart to keep your belongings where you can see them and store your valuables in a safe at your accommodation. If anything does happen, make sure you file a police report. You’ll need that if you have to make a claim and get reimbursed for stolen goods with your travel insurance for Laos.
Travel insurance for canceled, interrupted, or delayed trips to Laos
Even if you’ve booked all your hotels and excursions for Laos, unexcepted things can happen that might disrupt your trip. When looking for travel insurance plans for Laos, make sure to get one that covers trip cancelation, delays, and interruptions.
What happens if you get sick a few days before leaving for Laos? If your doctor tells you not to travel at that time, you could be forced to cancel your trip. A travel insurance plan for Laos that includes cancelation coverage could reimburse you for those non-refundable or transferable flights, hotels, and activities you paid for in advance.
If you’re already on your trip, and something happens to interrupt your vacation, World Nomads travel insurance may compensate you for covered reasons. For example, if your travel companion gets in a motorcycle accident and needs to stay in the hospital for at least 24 hours, your expenses (up to plan limits) could be covered, too. Make sure to keep all documentation and receipts for things you paid for in advance- you’ll need those if you make a claim.
Tips for traveling to Laos from the United States
Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Laos. Weather, safety, and political situations can change at any time, and this is where they list any current advisories.
If you purchase travel insurance for Laos, it is a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens.
Laotians have a reputation for being warm and welcoming towards tourists. Beyond a warm welcome, you have stunning scenery and rich culture to look forward to. To help prep for your trip, you may want to read up on the things to know before you visit Laos. Brush up on some local phrases and embrace the spirit of slow travel to help you get off the beaten path in Laos and enjoy this surprising country.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Travel Insurance for Vietnam
From street eats in Hanoi to sailing around Halong Bay, learn how travel insurance can help Americans traveling to Vietnam.
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As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
At a glance:
- Travel insurance benefits for Vietnam may include trip cancellation, delay, and interruption
- Coverage for medical emergencies, medical evacuation, and natural disasters while abroad
- Protection for lost, stolen, or delayed baggage and personal belongings
- Coverage for 250+ adventure and sports activities across Vietnam (kayaking and hiking included)!
- Optional Cancel For Any Reason (CFAR) upgrade for extra flexibility. Additional terms apply
- Do I need travel insurance for Vietnam?
- Travel insurance for activities in Vietnam
- Travel insurance for motorbiking in Vietnam
- Travel insurance support for medical emergencies in Vietnam
- Travel insurance for lost and stolen bags in Vietnam
- Travel insurance for canceled, interrupted, or delayed trips to Vietnam
- Tips for traveling to Vietnam from the United States
Slurping down bowls of steaming Pho on a corner in Ho Chi Minh City, cruising along the coast from Hanoi to the Mekong Delta, and hiking through terraced rice fields in Sapa are probably a few of the visions you have of exploring vibrant Vietnam. This Southeast Asian country draws thousands of American visitors each year to adventure through storied landscapes, buzzing cities, and, of course, to sample its famed cuisine.
You can get lost in a sea of motorcycles in busy Ho Chi Minh, check out the evolving underground scene in Hanoi, get a history lesson at war memorials such as the Cu Chi Tunnels and at ancient Confucius sites like the Temple of Literature, and unwind on a boat trip down the Mekong River. Nature travelers might want to explore Northern Vietnam, where lush hills, waterfalls, and tiny mountain villages like Mai Chau are in abundance.
While a trip to Vietnam is an incredible experience, there are some things to be aware of when you’re visiting from the US. We’ve learned quite a bit in our travels and encourage you to explore travel insurance* plans for Vietnam.
Do I need travel insurance for Vietnam?
International travel can bring all kinds of unexpected surprises - like tasting the banh mi from a legendary sandwich shop in Hoi An.
Some surprises are not as great though. Nobody wants to think about canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If crash your bicycle while cycling through the mountains around Dalat, you may then wish that you had travel insurance for Vietnam.
World Nomads has four plans to choose from, and when you get a quote you can compare the options to choose the best international travel insurance for your needs.
Travel insurance for activities in Vietnam
From cruising in Halong Bay to exploring the caves in Phong Nha-Kẻ Bàng National Park, Vietnam is brimming with adventures for the adrenaline seekers and outdoor travelers. World Nomads covers more than 250 activities for Americans traveling to Vietnam and includes things camping on Cat Ba Island, canyoning in Dalat, and swimming in the ocean.
When you get a quote for your travel insurance for Vietnam, it’s helpful to have a general itinerary in mind. Different plans cover different activities. Knowing which activities you’ll do in advance will help you choose the best insurance for your trip.
Things like kayaking in beautiful Tu San Gorge and rock climbing in Hữu Lũng are covered under all plans, including the Standard Plan. However, if you’re hoping to go cliff jumping in Nha Trang, you’ll need to purchase the Explorer or the Epic Plan for coverage.
Travel insurance for motorbiking in Vietnam
Motorbiking is common in Vietnam, and in some instances, it could be covered by your travel insurance plan - but it’s not guaranteed. Just because it’s easy to rent a motorbike there doesn’t mean you should, and it doesn’t mean you’ll be covered.
We get a lot of accident claims from nomads who hop on a motorized bike for the first time in Vietnam because it’s cheap and easy to rent. However, safety is not always top priority for other drivers – speed and convenience are. The roads are often narrow and windy, and in the cities are clogged with traffic. The rules of the road can be very different from back home in the United States. Motorbike accidents are quite common and it’s very important to know that if you don’t have the proper license for motorbiking, your travel insurance for Vietnam won’t cover you.
If motorbiking is something you insist on doing, you’ll need to look at getting the proper license for motorbiking in Vietnam before you leave the US. You can get specific license requirements for Vietnam on the U.S. government’s website. You’ll also want to review your plan wording carefully when you get a quote for travel insurance for Vietnam.
Travel insurance support for medical emergencies in Vietnam
Before you take off on your adventure to Vietnam, we recommend that you make an appointment with our Pre-Departure Telethealth Service. This non-insurance service offers online consultations 24/7 and can help you obtain necessary vaccinations or medications, such as medication to help with traveler’s diarrhea. Depending on which region of Vietnam you’ll be visiting, they can also recommend whether you should take an anti-malarial medication.
Let’s face it—eating street food is practically synonymous with a vacation in Vietnam. We certainly can’t blame you for wanting to try bun cha, bot chien, and banh xeo, but street food can be a gamble and you should choose your vendors carefully. Food poisoning is no fun when traveling. Also remember to drink filtered or bottled water, as tap water is generally not recommended to drink.
Your travel insurance may also come into handy if you fall and injure yourself while hiking one of the many beautiful trails in Vietnam. If you have a medical emergency while traveling in Vietnam, you can call the 24/7 Emergency Assistance team and they can help refer you to a place that offers the level of care that you need. If you’re traveling in a remote area, they may be able to help transfer you to a suitable facility for care and can also help communicate with your local medical team if there are language barriers.
In the event that your attending physician (and the 24/7 Emergency Assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for South America may cover the costs to get you there.
Travel insurance for lost and stolen bags in Vietnam
What happens if you land in Ho Chi Minh City to find that your bags didn’t arrive at the same time you did? If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If your bags are delayed for at least 12 hours, you may still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.
The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our Delayed or Lost Baggage Tracking and Delivery non-insurance service. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.
Petty theft and pickpockets can happen in Vietnam’s urban centers. Pay attention if you’re in a crowded market or walking along the streets. Motorcyclists have been known to grab bags as they drive by people on the street. Keeping your bag in front of you, keeping an eye on your belongings, and leaving your valuables locked in a safe at your hotel minimize the risk of theft. If anything does happen, make sure you make a police report. You’ll need to make a claim and get reimbursed for stolen goods with your travel insurance for Vietnam.
Travel insurance for canceled, interrupted, or delayed trips to Vietnam
Even if you’ve booked all your hotels and excursions for Vietnam, unexcepted things could happen that might disrupt your trip. When looking for travel insurance plans for Vietnam, consider getting one that covers trip cancelation, delays, and interruptions.
Vietnam is prone to natural disasters, particularly flooding and landslides during monsoon season, which runs from June through November. If a flood closes roads and makes it impossible to get to your destination, your travel insurance for Vietnam may help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance. Or, if a landslide destroys your accommodation and makes it uninhabitable, World Nomads travel insurance may also be able to help.
What happens if your travel companion gets in a motorcycle accident and needs to stay in the hospital for at least 24 hours? Your expenses (up to plan limits) could be covered, too, under the Trip Interruption benefit. Make sure to keep all documentation and receipts for things you paid for in advance- you’ll need those if you make a claim.
Tips for traveling to Vietnam from the United States
Before you head out on your epic adventure, we encourage you to check out the US government’s travel warnings for Vietnam. Weather, safety, and political situations can change at any time, and this is where they list any current advisories. You also may want to read up on our tips for traveling to Vietnam.
If you purchase travel insurance for Vietnam, it is a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone, so you don’t have to search for that if an emergency happens.
Learn a few Vietnamese phrases before you take off—these can help you bargain and order the best food! Read up on Vietnam’s complex history, both ancient and contemporary, to give you some context for your trip. And don’t be afraid to venture into the unknown. Vietnam has plenty of lesser-visited spots beyond its most popular destinations. Check out our recommendations for getting off the beaten track in Central Vietnam for some inspiration!
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Get a quote
Before you pack your bags to explore Vietnam’s wonders get a quote for travel insurance. It may come in handy if you need it in an overseas emergency.
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 teamSeguro Viagem para Atraso de Voo
O que acontece se um atraso complicar outros planos para a minha viagem?
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As featured in:
- O que está coberto em caso de atraso de viagem
- Como fazer uma reclamação
- O que não está coberto
- Qual é a diferença entre atraso e interrupção de viagem?
Você fez tudo o que podia para se preparar para o tão sonhado mochilão pela Europa, e finalmente está na fila para embarcar no seu voo de conexão para Paris, quando chega a notícia sobre uma forte tempestade no Atlântico e de que os voos foram suspensos indefinidamente.
Com certeza, com a acomodação no hotel, bilhetes de viagem terrestre e guias já reservados, isso causa um enorme transtorno, mas infelizmente esse tipo de incidente pode acontecer e acontece.
Felizmente, no entanto, ter um Seguro Viagem pode garantir que você não saia no prejuízo e pode ajudar a aliviar um pouco da ansiedade.
O que está coberto em caso de atraso de viagem
Muitas coisas podem levar a um atraso nos seus planos de viagem. Isso pode incluir:
- atrasos causados por problemas enfrentados pela companhia aérea
- fechamentos de estradas não anunciados que impedem você de chegar ao aeroporto
- perda ou roubo de documentos de viagem, incluindo seu passaporte
Ao escolher o Seguro Viagem da World Nomads mais adequado para sua viagem, certifique-se de ler atentamente a apólice para garantir que você tenha a cobertura certa relacionada a atrasos. Dependendo do motivo do atraso e da apólice que você escolheu, você pode ter direito a reembolso de:
- despesas com acomodação, refeições e transporte local
- valores que você já tenha pago por acomodação em hotel no seu destino ou por passeios guiados.
Como fazer uma reclamação
Outra boa razão para examinar cuidadosamente sua apólice é garantir que você esteja totalmente ciente de tudo o que precisa fazer caso algo dê errado com sua programação.
É muito importante que você obtenha todos os documentos e recibos necessários para garantir que sua reclamação por despesas decorrentes de atrasos seja processada sem problemas.
Por exemplo, as apólices de seguro da World Nomads cobrem despesas feitas após a companhia aérea ter cumprido suas obrigações financeiras devido a atrasos. Assim, você deve primeiro procurar a companhia aérea para solicitar acomodação em hotel ou vouchers de refeição aos quais tenha direito, bem como todas as informações relevantes sobre os motivos do atraso do voo.
Também certifique-se de guardar todos os recibos de despesas adicionais que você possa ter. Mas não é tão complicado quanto parece, então não se preocupe! Se você tiver algum problema relacionado a atrasos, preparamos um guia simples sobre como acionar o seguro (texto em inglês).
O que não está coberto
Infelizmente, a World Nomads não pode cobrir todas as eventualidades que poderiam levar a um atraso ou mudança nos seus planos de viagem. Embora nos esforcemos para tornar tudo o mais simples possível, algumas das coisas com as quais não podemos ajudar incluem:
- atrasos de menos de 12 horas. Esse tipo de atraso é obviamente muito desagradável, mas provavelmente não vai atrapalhar muito seus planos de viagem. Você pode aproveitar o tempo para visitar aquele restaurante que você ainda não conhece, ou ler um pouco mais sobre seu próximo destino.
- Atrasos pessoais. Se você perdeu seu voo porque o despertador não tocou ou porque um desfile de Carnaval planejado e anunciado há muito tempo impediu você de chegar ao aeroporto, então a World Nomads não poderá reembolsar as despesas adicionais que você teve. Mantenha-se organizado e atualizado sobre tudo o que acontece!
Qual é a diferença entre atraso e interrupção de viagem?
A World Nomads define um atraso de viagem como uma situação em que você é impedido de viajar por 12 horas ou mais.
Uma interrupção de viagem, por outro lado, pode resultar de um evento que significa que você não pode continuar com seus planos – por exemplo, se você contraiu uma doença tropical enquanto caminhava pelas selvas da Costa Rica e o hospital local recomendou que você voltasse para casa para tratamento imediatamente.
Para ter certeza absoluta sobre as diferenças entre os dois cenários, é uma boa ideia ler atentamente sua apólice e se familiarizar com todos os termos, condições, limitações e exclusões relevantes que possam se aplicar.
Se você tiver alguma dúvida ou incerteza, lembre-se de entrar em contato. Nossa equipe está sempre pronta para explicar as coisas a qualquer hora do dia ou da noite.
Faça uma cotação
Quando estiver pronto, faça uma cotação e entre em contato se tiver qualquer dúvida.
Compare nossos planos Standard, Explorer e Explorer Plus para decidir qual deles melhor atende às suas necessidades.
Ainda não tem certeza? Entre em contato e podemos ajudá-lo a decidir qual plano de Seguro Viagem é o melhor para a sua próxima aventura.
Esta não é uma lista completa do que está ou não coberto, então verifique sua apólice para obter uma lista completa dos termos, condições, limitações e exclusões que podem se aplicar ao seu plano específico. Todos os cenários de exemplo fornecidos acima não são garantia de cobertura. Todas as reclamações estão sujeitas a revisão, exigem documentação e são consideradas individualmente. Se você tiver alguma dúvida sobre o que está ou não coberto, entre em contato – teremos prazer em ajudar.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 teamObtenha uma cotação de seguro de viagem
Seguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
Faça uma cotação
Travel Insurance for Trip Delays
What happens if my trip gets delayed?
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As featured in:
- What's covered under trip delay
- How to file a claim
- What's not covered
- What’s the difference between trip delay and trip interruption?
You've done everything you can to prepare for this once-in-a-lifetime trip backpacking through Europe, and you’re finally lining up to board your connecting flight to Paris. But then news comes through that a severe storm is rolling across the Atlantic and flights have been suspended indefinitely.
With hotel accommodation, overland travel tickets and guides all booked, this has thrown an enormous spanner into the works, but unfortunately these sorts of incidents can and do happen. As the saying goes, “even the best laid plans often go awry”.
Fortunately, however, having travel insurance may ensure that you are not left out of pocket and can help relieve the anxiety involved.
What's covered under trip delay
There are many things that can lead to a delay in your travel plans. These may include:
- Delays caused by certain problems faced by the airline company
- Unannounced road closures preventing you from reaching the airport
- Loss or theft of travel documents, including your passport
When choosing the most suitable World Nomads travel insurance for your trip, be sure to carefully read the policy to make sure you are provided with the right coverage relating to delays.
Depending upon the reason for the delay and the policy you have chosen, you may be entitled to reimbursement for:
- Expenses you have had involving accommodation, meals, and local transportation;
- Sums you may have already paid for hotel accommodation at your destination or guided trips.
How to file a claim
Another good reason for taking a good look through your policy is to make sure you are fully aware of all you need to do in case anything does go wrong with your schedule.
It is very important that you get hold of all the documents and receipts that may be needed to ensure that your claim for expenses owing to delays goes without a hitch.
For instance, World Nomads insurance policies cover accepted expenses made once the airline has fulfilled its financial obligations owing to delays. As such, you should first approach the airline to request any hotel accommodation or meal vouchers to which you may be entitled, as well as all the relevant information concerning the reasons for the flight delay. Also make sure that you hold onto all the receipts for any additional expenses you may have.
But it’s not as complicated as you may think, so don’t worry! If you do have any problems relating to delays, we have prepared a simple guide on How to Make a Claim.
What’s not covered
World Nomads cannot be expected to cover every eventuality that could lead to a delay in your travel plans. Whilst we aim to make things as smooth as possible, a few of the things we cannot help you with include the following:
Delays of less than 12 hours. This sort of a delay is obviously very unwelcome, but it is probably not going to upset your travel plans too much. You could take advantage of the time to visit that little restaurant that you hadn’t managed to get to before, or read up a bit more on your next destination.
Personal delays. If you missed your flight because your alarm did not go off or a long-planned Carnival procession meant you couldn’t get to the airport, then World Nomads will not be able to reimburse you for any additional expenses incurred. Stay organized and updated on all that is going on!
What’s the difference between trip delay and trip interruption?
World Nomads defines a trip delay as a situation in which you are prevented from traveling for 12 hours or more. A trip interruption, on the other hand, could result from an event that means you cannot continue with your plans – for instance if you have been brought down by a tropical disease whilst hiking the jungles of Costa Rica and the local hospital recommends that you return home for treatment immediately.
To be absolutely clear on the differences between the two scenarios, it is a good idea to carefully read through your policy and get acquainted with all the relevant terms, conditions, limitations, and exclusions that may apply.
If you have any questions or doubts, remember to get in touch. Our team is always ready to explain things at any time of the day or night.
Get a quote
When you’re ready, get a quote, and feel free to contact us if you have any questions.
Compare our Standard, Explorer and Explorer Plus plans to decide which one best suits your needs.
Still not sure? Get in touch and we can help you decide which travel insurance is best for your next adventure.
This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to 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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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 teamGet a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quoteDiscover the exciting benefits of our enhanced travel insurance
- As featured in:
As featured in:
We're thrilled to announce a range of improved benefits, limits and services, for European 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 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 navigate an unfamiliar healthcare system.
What type of cover do I get with World Nomads new 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 the updated Single Trip insurance plans offered by World Nomads (as of June 27, 2024).
Single Trip insurance (Standard):
- Cancelling Your Trip: Benefit up to €4,000 for non-refundable costs incurred due to unexpected trip cancellation.
- Cutting Short Your Trip: Benefit up to €3,500 for non-refundable costs and additional costs incurred due to unexpected 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 (€150 per item; €300 overall limit for valuables & gadgets).
- Travel Documents: Reimbursement of expenses up to €350 for replacing lost or stolen travel documents.
- Delayed Baggage: Benefit of €125 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 accidental death benefit for individuals under 18).
- Personal Liability: Protection of up to €2,500,000 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.
Single Trip insurance (Explorer):
- Cancelling or Cutting Short Your Trip: Benefit up to €10,000 for non-refundable costs incurred due to unexpected trip cancellation.
- Cutting Short Your Trip: Benefit up to €6,000 for non-refundable costs and additional costs incurred due to unexpected 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 (€300 per item; €600 limit for valuables & gadgets).
- Travel Documents and Money: Reimbursement of expenses up to £700 for replacing lost or stolen travel documents and €250 for lost or stolen money.
- Missed Departure: Coverage of €1,500 for additional transport and accommodation expenses incurred due to a missed departure from xyour home country.
- Delayed Baggage: Benefit of €250 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 €2,500,000 (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 European customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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?
- You or a family member dead?
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 teamDiscover the exciting benefits of our enhanced travel insurance
- As featured in:
As featured in:
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 Irish 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 navigate an 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 €3500 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 (€150 per item; €300 overall limit for valuables & gadgets).
- Travel Documents: Reimbursement of expenses up to €350 for replacing lost or stolen travel documents.
- Delayed Baggage: Benefit of €125 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 accidental death benefit for individuals under 18).
- Personal Liability: Protection of up to €2,500,000 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 €6,000 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 (€300 per item; €600 limit for valuables & gadgets).
- Travel Documents and Money: Reimbursement of expenses up to €700 for replacing lost or stolen travel documents and €250 for lost or stolen money.
- Missed Departure: Coverage of €1,500 for additional transport and accommodation expenses incurred due to a missed departure from Ireland.
- Delayed Baggage: Benefit of €250 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 Irish customers who purchased a World Nomads policy before June 27, 2024, please refer to your Policy Wording for information related to your coverage limits.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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?
- You or a family member dead?
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 teamDiscover the exciting benefits of our enhanced travel insurance
- As featured in:
As featured in:
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.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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?
- You or a family member dead?
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 teamAnnual Multi-Trip vs Single Trip Travel Insurance
Delve into the details to help you make an informed decision.
- As featured in:
As featured in:
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.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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?
- You or a family member dead?
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 teamAnnual Multi-Trip vs Single Trip Travel Insurance
Delve into the details to help you make an informed decision.
- As featured in:
As featured in:
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.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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?
- You or a family member dead?
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 Airline Mishaps
Learn how travel insurance may help in the case of cancellation, delays, lost luggage and more.
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We’ve slept on the airport floor when flights were canceled, and we’ve been the ones waiting at the baggage carousel for the bag that never came. We get it – airline mishaps happen. Because of this, you may want to consider travel insurance for flight problems that could happen along your journey.
- How can travel insurance protect my flights?
- What are some things travel insurance would not cover when it comes to my flight?
- What else is covered by travel insurance?
- Tips for flying safely
How can travel insurance protect my flights?
In many instances, your airline may help when unexpected situations arise. There’s some things they won’t cover though. Depending on your country of residence, travel insurance could help with a variety of unwelcome experiences you may encounter when flying.
Some of the key benefits on our policies include:
Flight cancellation
If bad weather has you grounded and your airline has stopped service to your destination, trip cancellation protection could help. You could be reimbursed for the non-refundable travel costs that you now can’t use. This could include things like hotel rooms or guided tours, if you paid for these in advance.
Flight delay
When you’re flying, you’re at the mercy of the airlines to depart when they say they will. If you’re delayed for an extended period of time, travel delay insurance may help reimburse you for the unexpected cost of additional meals and accommodations that you had to pay for as a result of the delay. If you prepaid for non-refundable excursions that you miss because of the delay, you may be reimbursed for those as well.
Luggage lost, damaged or delayed
So you’ve made it to your destination, but your bags didn’t. If a common carrier (like an airline) loses your bag, baggage insurance may help reimburse the cost to replace your belongings. If your baggage is delayed for a long time on your way to your destination, you may also be reimbursed for things like toiletries and a change of clothes until you are reunited with your bag.
In-Flight turbulence and other injuries
Nobody enjoys turbulence, but it’s unfortunately one of those things we have to deal with. While it can be a little nerve wracking, it’s usually nothing to worry about unless carry-ons move around and something falls on you, you get hurt while you’re up walking, or those unexpected bumps cause you to spill a hot drink and get burned. If you get injured on your flight, your airline may assist with medical care. If they don’t, emergency medical coverage could reimburse you for medical costs if you need medical care when you get to your destination.
Extended layovers
What happens if you purchased travel insurance for a certain time and then you’re stuck past that date due to an extended, unplanned layover? If your airline is delayed in reaching its final destination, World Nomads may extend your coverage to the amount of time needed to make it to your destination. Contact us if this happens.
Can travel insurance protect my flights in any other way?
Depending on your country of residence, you could be covered for other flight mishaps, as well. Get a quote and read the policy documents. If you have questions, give us a call.
What are some things travel insurance would not cover when it comes to my flight?
If you check in for your flight and realize you’re stuck with the dreaded middle seat, we won’t cover the cost for your upgrade. Some other things travel insurance won’t cover include:
- Getting sick after drinking too many of those tiny airplane liquor bottles
- Your bag getting stolen at the airport when you’ve left it unattended
- Taking a flight even though your doctor has advised against it
- Cancellations and delays resulting from airline staffing issues
- Any costs that are already reimbursed by your airline
- Missing your flight because you overslept
- Flight cancellations arising from a named storm if you purchased your policy after the storm was forecast
What else is covered by travel insurance?
Once you step outside the airport, you could still be covered for a variety of unexpected situations you may encounter on your trip. In addition to air travel insurance benefits, World Nomads could help with several other unexpected circumstances you may encounter during your adventures.
Depending on your country of residence and the plan you have chosen, you could also be covered for things such as:
Activities: World Nomads offers adventure travel insurance for more than 150 activities. You could be covered for activities like hiking, cycling, and kayaking. If you get hurt during your adventures, travel insurance may help with medical expenses and medical evacuation if you’re injured while participating in a covered activity. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes.
Trip interruption: Sometimes an incident may happen once you’re already on your trip and you are unable to continue as planned. Maybe you get hurt while rock climbing or a close family member back home gets sick and you have to cut your plans short. Trip interruption coverage could help you get reimbursed for prepaid, non-refundable travel costs if your plans change for a covered reason.
Evacuation: If something happens and you need to get immediate medical care in a destination where there aren't nearby medical facilities, the 24/7 Emergency Assistance Team could help get you transported to a place that offers the level of care you need.
Tips for flying safely
- Bring any medications onboard with you. Instead of packing any necessary medications in your checked bag, throw those in your carry on and take them with you. If the airline loses your bag or it is delayed, you won’t want to be without them.
- Move and stretch your legs. Being confined in one position for too long without moving your legs can cause ankle swelling and blood clots. Prevent this by moving your feet and massaging your legs at your seat.
- Stay hydrated. Yes, those bathrooms on a plane are cramped, but don’t try to avoid them by limiting your water consumption. Staying hydrated helps prevent things like headaches, dizziness, and fatigue. You’ll want to drink at least 8 ounces of water for each hour of your flight. Humidity in the cabin is usually low, and you may also want to consider a hydrating nasal spray, skin moisturizer, and eye drops.
- Save your travel insurance information in your phone. Our hope is that you have a perfect trip, and you won’t need to make a claim. If you do though, you won’t want to be digging for information on how to make a claim. Save your policy information in your phone so it is easily accessible if you need it.
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.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital urgently?
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
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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