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Tapas, wine, sunshine and fiestas. Ole

If you’re planning a trip to Spain, you might be heading to San Sebastian for a hit of sun and surf, Valencia to tour the tapas scene and marvel at ancient architecture, or to the historic Bilbao Mercado de la Ribera marketplace, Europe’s largest indoor market. No matter where you’re headed, before you pack your bags you may want to consider travel insurance. If disaster strikes while you’re overseas, travel insurance may just save the day - or the fiesta.

Discover how World Nomads travel insurance could help you travel better

• What's covered
• Why should I consider travel insurance to go to Spain?
• What should I look out for when traveling around Spain
• What's not covered
• Get a quote

What's covered

With World Nomads you can buy travel insurance as soon as your trip is locked in or when you’re already enjoying your trip around Spain (waiting periods apply), it’s entirely up to you.

World Nomads offers two plans – Standard and Explorer – each provides different levels of coverage depending on your Country of Residence and what level of cover you need. Here are some of the highlights of our cover:

• Medical evacuation and repatriation.
• More than 150+ activities, sports, and experiences.
• Trip cancellation.
• Travel delays /interruption.
• Baggage and high-end valuables.
• 24/7 worldwide Emergency Assistance.

Why should I consider travel insurance for Spain?

Travel insurance could help just in case you land in Barcelona, but your baggage doesn’t, you suffer a travel delay, you or your travel buddy catches COVID-19, or you need to be medically evacuated. Depending on your Country of Residence and the level of cover you have chosen, our policies may cover you for:

• Emergency medical and evacuation - if you become ill or are in a serious accident that requires emergency treatment or evacuation, your policy may cover you for medical and surgical treatment, hospital fees, and in some cases, specialist counselling. Benefit limits apply.
• Baggage and personal belongings - in the unfortunate event that your luggage or personal items are accidentally damaged or stolen, you may be able to claim for those items. In addition, if your luggage is delayed more than 24 hours (more than 12 hours for US residents), you may be entitled to replacement costs. Check your policy wording carefully as terms and conditions apply.
• Activities coverage - we cover more than 150 activities worldwide – including backpacking, kayaking, hiking, and bungee jumping, but not all are covered under every plan, you can read about the activities covered for your Country of Residence. Many activities also have specific conditions and exclusions you should read up on before you go. Depending on your Country of Residence and the level of cover you’ve chosen, you may need to add activities to your policy. Terms and conditions apply.
• Cover for Coronavirus-related events: depending on your Country of Residence World Nomads offers cover for some Coronavirus-related events to help if your trip is derailed by COVID-19. Check your policy carefully as benefit limits apply and vary between plans.

What should I look out for when traveling around Spain

As fun and fascinating as Spain can be there are some things you should be aware of, such as:

Crime in Spain’s hotspots

Wandering around the streets of Madrid, Barcelona, and Seville can be a wonderful experience, but you need to remain vigilant and keep your valuables in sight. Watch out for bag snatching, pickpockets, and theft from cars. We offer cover if you're after travel insurance for your tech gear and other high value items. To upgrade the cover for high value items, list them on your policy and pay the additional premium. Make sure you have copies of all key documents you’re traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets, etc.

Illness in Spain

Falling ill remains a risk in all regions of Spain, COVID-19 included. If you're in Spain and you are feeling unwell, call 112 for medical emergencies. You can always get in touch with the 24-hour Emergency Assistance Team. Make sure you’ve checked our Coronavirus cover article if you have caught COVID-19.

Natural disasters in Spain

Spain experiences earthquakes, severe storms, and forest fires. Always do your research for updates. On 19 September 2021 there was a volcanic eruption on the island of La Palma, in the Canary Islands. Due to the eruption, flights and travel plans were sent into disarray for people traveling to and from the Canary Islands. While we do offer cover for natural disasters, for those policies that do cover natural disasters in one way or another, you'll need to have bought a policy before the natural disaster event is known and do everything you can to minimize your expenses. Check your policy carefully as benefit limits apply and vary between plans.

Have fun at festivals but don’t overdo it

When going to party hotspots and festivals in Spain it’s important to be aware of your surroundings, especially if you're traveling solo and don’t know the language. We suggest not to overdo it when it comes to drinking and be careful of accepting drinks from strangers especially at big events. Remember that while we do offer cover for overseas travel accidents such as, hospitalization, day surgery and out-patient treatment, and prescribed medicines, you won’t be covered if you’re on drugs or have been drinking alcohol excessively or if you’ve been acting illegally.

What's not covered

Here are some of the things we do not provide cover for:

• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by your Country of Residence.
• Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
• Costs arising from refusal to be repatriated once declared medically unfit to continue a trip but fit for repatriation.
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's travel insurance for medical emergencies)
• Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.

Frequently asked questions

Have more questions?

If you have more questions about travel insurance, contact us.

Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think. Featuring coverage for more than 150 activities, quotes are fast and can be done online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states, or provinces. Please carefully read your policy wording for a full description of coverage.

Essential travel tips for Vietnam

Offering unique cultural experiences, flavorful fare, and a heady vibe all its own, Vietnam can be an enlightening experience for travelers. But there are a few things you need to know before you go. Read on to find out how World Nomads’ travel insurance can help you navigate the unknown while overseas.

• What’s covered
• What’s not covered
• Health and safety tips when traveling in Vietnam
• Best time to visit Vietnam
• FAQs

What’s covered

World Nomads offers two types of travel insurance plan, Standard and Explorer. Each plan provides different levels of cover so it’s important you choose the plan that best suits your travel plans and the level of cover you need. Depending on your Country of Residence your travel insurance plan can offer cover for:

• Baggage and personal effects
• Extended stays
• Overseas medical emergencies and hospital expenses
• Travel delays and trip interruption
• A wide variety of sports, activities and experiences.
• Trip cancellation
• Cover for some Coronavirus-related events
• 24/7 Emergency Assistance Team
• And many more cover options and extras…

Whatever your choice of overseas vacation, it’s important to choose the right level of coverage. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan.

What’s not covered

It’s important to remember travel insurance isn’t designed to cover everything. While we endeavor to help you during times of need while you’re overseas there are some things that we simply do not cover. These include:

• Activities and sports: participation in a sport or activity not listed in the policy wording, or one that's offered by World Nomads, but you haven't paid the required additional premium.
• Not following doctor’s orders: disobeying your treating doctor’s directions and/or those of our Emergency Assistance Team.
• Leaving valuables unattended: stolen, lost or damaged personal belongings that were left unguarded.
• Incidents resulting from reckless behavior
• Drug or alcohol abuse and any related incidents
• Expenses you have not made every reasonable attempt to recover from the carrier, accommodation provider, booking or travel agents, any compensation scheme, or other source.
• Changing your mind.

This is a brief overview of common claims we often see but do not provide cover for. Read your policy wording carefully so you have a good understanding of what is and isn’t covered by your travel insurance policy.

Health and safety tips when traveling in Vietnam

Offering astonishing natural beauty and tantalizing tastes, it doesn’t take much for Vietnam to get under your skin. While you’re enjoying its splendor, it helps to keep in mind a few health and safety tips while you’re on the road.

Motorbikes and scooters

Home to millions of motorbikes and scooters, all zipping haphazardly through the streets, navigating the roads in Vietnam is an art form. Road accidents are one of the main causes of injury in Vietnam, so it pays to be vigilant. Pay attention when crossing the street and take particular care if traveling by motorbike or scooter.

If you plan to ride, for your coverage to be available , certain conditions apply:

• You must be licensed to ride at home and at your destination.
• You need to comply with local laws and safety practices (obey speed limits, don’t drive drunk).
• Always wear a helmet.

Consider buying a travel insurance plan that covers motorbike and scooter use. Terms and conditions, limits, and exclusions to coverage will apply so read your policy carefully for full details.

Read our article on covered sports, activities and adventures. In some cases, you may also have to buy an adventure sport upgrade for an additional premium.

World Nomads coverage for travelers injured in motorcycle accidents may include:

• Emergency medical expenses for treatment at the hospital or by a doctor at the local medical center
• Evacuation to more suitable medical facility if it’s urgent, medically necessary and if you’re fit to travel
• Repatriation if you’re seriously ill or injured and unable to continue your trip.

If you need medical treatment, evacuation or repatriation, you or a travel companion MUST contact our Emergency Assistance team immediately.

How to avoid gastro

It’s advisable to avoid drinking tap water while in Vietnam. Water can be contaminated and can result in gastrointestinal upset and other more serious disease such as hepatitis A and typhoid. It’s best to avoid raw fruits and vegetables with the skin on as well as ice cubes in your drinks.

Be aware of petty crime and other criminal activity

While Vietnam is generally a safe place to travel, low level crime does exist.

As with many other destinations petty crime remains an issue in Vietnam. Stay alert, and keep your belongings close.

For more on what you need to know before you go read these tips for how to spot travel scams and rip-offs to avoid being a scammer’s next target.

Tropical diseases

Tropical diseases are common across Asia with Dengue Fever an increasing concern. Always wear light-protective clothing in the evenings and use insect repellant.

Best time to visit Vietnam

Vietnam is a wonderful destination to visit year-round. When choosing what time of year to travel to Vietnam consider what it is you want to see and do while there: do you want to laze by the beach on Phu Quoc Island? Experience the heady culture in untapped Hanoi? Or explore the verdant central highlands to connect with local villages? Whichever you choose there’s a season that’s the perfect fit.

High season, July and August

For beach lovers that means visiting Vietnam in the high season to make use of the warm days and bath-like water. Be sure to book your accommodation well in advance, this is the busiest and most expensive time to visit coastal regions.

Shoulder season, December - March

Shoulder season is perfect for navigating the hustle and bustle of cities where you’ll be jolted to life with the buzz of everyday life in Vietnam’s urban jungles. With cooler temperatures it’s a much more pleasant experience when traveling around people-packed cities like Ho Chi Mihn and Hanoi.

Low season, April to June and September to November

Avoid the crowds and visit in low season for a more timid look at this vibrant country. Trekking to hillside tribes and exploring the central highlands is wonderful during low season - there’s less vying for a spot on a tour and you’re less likely to have to trudge through mud.

FAQs

Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think. Featuring coverage for more than 150 activities, quotes are fast and can be done online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states, or provinces. Please carefully read your policy wording for a full description of coverage.

Every case is different. So we prefer to work with you closely on this if something does go wrong. But here’s two rules that are true for all cases, so make sure you follow them:

NEVER admit you are at fault.

It may feel natural to say you’re sorry when something goes wrong. But don’t. If you do admit fault in any way, we won’t pay your claim.

Get contact details from all involved

You should get contact details of everyone involved in the incident that lead to your claim, including witnesses, police or other officials who attended.

Contact us as soon as possible

As soon as you know that there may be a claim made against you, you must contact our Emergency Assistance team and we’ll then tell you what to do next.

If you delay in contacting us, and we determine that this could have influenced the outcome of your case, we will either not pay your claim or reduce it to reflect that influence.

Rearrange or cancel your bookings

As soon as you know that you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.

Just remember, if you decide to rearrange, we’ll only pay up to the amount it would have cost you to cancel those arrangements. If you don’t rearrange or cancel straight away, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary. For example, if your doctor says you can’t fly for two days, but you cancel a three week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.

Get it in writing

To support your claim, we recommend you get the following:

• Doctor (or other medical practitioner)’s report, confirming what happened and the nature of the illness or injury.
• Hospital Admission report (if the person was admitted to hospital)
• Ambulance report (if they were involved)
• Police report (if they were involved)
• Any other relevant documentation related to what happened.

Keep your itineraries and receipts

You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.

Our suggestions should help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.

Ready?

Make a claim online

Essential travel tips for Brazil

The beat of Brazil is unlike anywhere else. Nature-filled experiences abound, and a life-loving energy fills the air. To travel here is to experience the world at its best. From eating your way through the culinary creations of the country to finding your rhythm at Carnival Brazil is a destination for every traveler.

But before you pack your bags and hop on a plane to South America’s largest country, there are a few things to consider when it comes to staying safe in Latin America. Here’s how World Nomads travel insurance can bolster your time in Brazil.

• What’s covered
• What’s not covered
• Health and safety while in Brazil
• Traveling in the Amazon
• FAQ’s

What’s covered

Heading to Brazil without travel insurance is like riding in a car without a seatbelt - it can be risky business. We offer two levels of cover, Standard and Explorer. Depending on your Country of Residence and the level of cover you need, our travel insurance may cover you for:

• Baggage and personal effects
• Extended stays
• Overseas medical emergencies and hospital expenses
• Unexpected trip cancellation
• Travel delays and trip interruption
• A wide variety of sports, activities and experiences.

Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.

Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.

What’s not covered

Travel insurance is not blanket cover-all and there are some things we do not cover. It’s important to read your policy wording carefully to ensure you fully understand what is and isn’t covered, but some of the common claims we see which we do not cover include:

• Cancellation costs if you simply change your mind
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning issued by your Country of Residence.
• Participation in a sport or activity not listed in the policy wording or agreed by World Nomads where you haven’t paid the required additional premium.
• Incidents resulting from reckless behavior

If you’ve got any questions, or are unsure if something is covered, please contact us for more information.

Health and safety while in Brazil

While Brazil is considered a relatively safe country to travel in, like anywhere, there are health and safety concerns that have a penchant for ruining your jaunt. Exercise a certain level of caution when traveling here and keep your guard up for the following common complaints:

Crime in cities

Muggings and other opportunistic crimes can be an issue in major cities. Be aware of your surroundings in places like markets, tourist hotspots, ATMs, and on public transport, particularly at night. Rio de Janeiro and Sao Paulo can be hotspots for crime. Pay particular attention in places like Ipanema beach, Christ the Redeemer statue, and Sao Paulo Cathedral.

Keep an eye on your gear 24/7

It’s very important that you NEVER leave your valuables out of sight. There’s always the chance that you might end up being pickpocketed or being victim of a scam in many top tourist hotspots. When in crowded areas always maintain a sense of awareness of your surroundings. You should also make copies of all key documents you’ll be traveling with — passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets — and keep them separate from the originals while abroad so you’ll have backups and proof of purchase if anything happens.

Swimming safety

Brazil’s beaches are brilliant, but many have turbulent seas. Strong rips are a common issue on popular beaches like Ipanema and in Fortaleza. Sharks can be found in the water here too and shark attacks have happened. Practice caution and always heed warning signs posted on beaches.

Mosquito-borne diseases

The Amazon Rainforest is an insect’s paradise and insect-borne diseases are a real threat particularly in the wet season. Zika virus, malaria, dengue fever, and yellow fever are all insect-borne diseases that may be contracted in Brazil, not just the Amazon. It’s important to know the signs and symptoms of viruses such as Zika before you go. Cover up and use insect repellent to reduce your risk of being bitten.

Traveling in the Amazon

Covering more than 1 billion acres and spanning 9 countries, the Amazon is the Earth’s most grand rainforest. With approximately 60 percent of the rainforest located in Brazil, there’s much to see and do here. Home to lengthy winding rivers (some of the longest in the world) and an impressive array of species, it’s rich in biodiversity and there are countless ways to experience it all. From jungle tours to cruising the river tributaries, bird spotting to scaling the towering canopy in the name of adrenaline there’s no shortage of ways to spend your time - nor ways things can possibly go sideways. Stay safe and healthy while exploring the jungle with our guide on how to prepare for your first time in the Brazilian Amazon.

Wondering how to stay safe when traveling around the rest of Brazil? Check out our tips for getting around safely here.

Access to our 24/7 Emergency Assistance Team around the clock

World Nomads travelers have access to 24/7 Emergency Assistance. If something goes wrong and you need help, contact our team. They can help get you find local medical facilities if needed, provide local consular details and information and in the worst-case scenario, help get you home if you’re seriously injured or ill and need to be repatriated. When you call (free from anywhere in the world), make sure you have your policy number and a contact number for where you are so we can help.

FAQ’s

Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think. Featuring coverage for more than 150 activities, quotes are fast and can be done online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states, or provinces. Please carefully read your policy wording for a full description of coverage.

1. Rearrange or cancel your bookings

As soon as you know that you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.

Just remember, if you decide to rearrange, we’ll only pay up to the amount it would have cost you to cancel those arrangements. If you don’t rearrange or cancel straight away, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary. For example, if your doctor says you can’t fly for two days, but you cancel a three week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.

2. Get it in writing

To support your claim, you’ll need to get the following:

• Doctor (or other medical practitioner)’s report, confirming what happened and the nature of the illness or injury.
• Hospital Admission report (if the person was admitted to hospital)
• Ambulance report (if they were involved)
• Police report (if they were involved)
• Any other relevant documentation related to what happened.

3. Keep your itineraries and receipts

You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.

Our suggestions should help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.

1. Contact Us

Contact the World Nomads 24/7 Emergency Assistance Team. They will help you liaise with the local authorities.

We understand that this is a terrible and difficult time, and we can help you through the process of dealing with the situation. We can put you in touch with the necessary authorities and guide you through what you will need to do.

2. Get it in writing

In general, you’ll need copies of the following to submit with your claim. If unsure, please ask:

• Death certificate, confirming the cause of death.
• Hospital admission report, if relevant.
• Ambulance and medical evacuation reports, if relevant.
• Police report, if they were involved.

In some cases, we may need to obtain past medical history records from the deceased person’s usual doctor. We’ll let you know if this is the case.

3. Keep your receipts

You’ll need to keep all your receipts, along with your itineraries and booking and cancellation confirmations for any affected travel arrangements for when you claim. If you don’t do this, we may reduce or reject your claim.

Our suggestions should help you when things go wrong and you want to make a claim. All travel insurance plans are different and cover will vary, depending what's happened, your country of residence, the plan you choose and any options or upgrades you buy. Your policy will always have the full details.

If you have questions about what's covered and not covered, just ask us.

4. Can I claim for a COVID-19 related death?

Yes, it’s possible to submit a claim for any set of circumstances, including a death arising from a Coronavirus (COVID-19) diagnosis. That said, your coverage and whether World Nomads will pay a benefit toward your claim will depend on the terms, conditions, limitations and exclusions of the policy. What is and isn't covered varies depending on your Country of Residence.

You can read more about our COVID cover in our What's Covered for Coronavirus article, including benefit limits, conditions and exclusions.

Please note that your claim will be assessed based on the coverage available to you in the policy. The policy can only ever offer coverage for those events that happen after you purchase (and after any applicable waiting period) and while it is active.

Our policies aren’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.