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.

• Why should I get family travel insurance?
• How can World Nomads Travel Insurance help me and my family?
• Who is covered under a family travel insurance policy?
• What is a dependent?
• Are dependents covered up to the same policy limits?
• What’s not covered by family travel insurance?

So you’re taking the kids this time? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age, which is why we can cover your kids as dependents on your family plan. We’ll cover up to seven of your kids if you’re brave enough to take them all!

Why should I get family travel insurance?

Besides bickering about who gets the window seat or get the last scoop of ice cream, you may run into a bump or two when traveling with your family. No matter the ages of your crew, travel insurance* to cover the whole family may be a good idea.

Even under adult supervision, children can experience mishaps that can throw a wrench into your plans or require medical attention.

It’s also a good idea to have a contingency plan in case an emergency happens to the caregiver, leaving a child unattended. World Nomads plans may cover transport of your minor children back home, accompanied by an attendant if necessary, if an adult is hospitalized for at least seven days or passes away during the trip.

How can World Nomads Travel Insurance help me and my family?

World Nomads offers simple and flexible travel insurance, designed for travelers by travelers, to help you travel confidently on your next family vacation. Our four plans each offer differing levels of coverage, so it’s important you read plan documents and pick the best one for your trip. Subject to terms and conditions, all our plans offer coverage for:

• Emergency medical expenses, in case you or your kids suffer an accident or injury while traveling.
• Trip cancellation for the recovery of missed, prepaid, non-refundable trip costs when you cancel for a covered reason.
• Emergency evacuation for hospital transfers or a flight back to your home if your condition warrants it and our Emergency Assistance Team approves it.
• Baggage delays of at least 12 hours on route to your destination.
• Trip interruption for emergencies that can cut your trip short.
• Lost, stolen or damaged baggage.
• 24/7 Emergency Assistance including help locating local medical services and clinics
• Coverage for more than 250 activities for U.S. residents from snow sports to water sports and more.

You can also access safety information and travel guides and videos to help you plan your trip.

Who is covered under a family travel insurance policy?

Parents plus their dependent children, as long as at least one of the traveling adults is a legal guardian of the dependent kids, and you all reside in the same US state.

When you get a quote, be sure to list all dependents who will be traveling with you on the plan to ensure coverage for your whole family.

What is a dependent?

For travel insurance purposes, dependent children are:

• A person under the age of 25 and primarily dependent on You for support and maintenance. The age limit does not apply to a child who is incapable of self-sustaining employment by reason of mental or physical incapacity.

• U.S. residents.

• Unmarried.

• Traveling with you on the same itinerary.

• Reside in the same state as you.

If your kids don’t meet any of the above requirements, you can purchase single plans for each traveler who resides in a different state.

Are dependents covered up to the same policy limits?

Yep! Your kids are covered up to the same limits even though they are traveling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person.

What’s not covered by family travel insurance?

Read your plan carefully as there are some exclusions including:

• If you change your mind (or get in a fight with your loved ones!) you are not covered for cancellation or other expenses incurred. If you think this may be a possibility, you may want to consider purchasing the optional ‘cancel for any reason’ benefit, which can be added on to the Explorer or Epic plan within a time-sensitive period.
• Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
• Stolen, lost or damaged personal belongings that were left unattended.
• Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase. 
• Participation in a sport or activity not listed in the covered activities list or agreed by World Nomads.

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.

• What does travel insurance cover for pregnant women?
• What isn’t covered by travel insurance while pregnant?
• Can I fly during pregnancy?

Just because you’re pregnant doesn’t mean you can’t still see the world! If you’ve already booked travel, or if you want to take a babymoon to enjoy a vacation before your bundle of joy comes along, our travel insurance* plans may help look after you should something go wrong.

What does travel insurance cover for pregnant women?

You may be wondering if you can still get travel insurance if you’re pregnant … and the answer is yes. While travel insurance doesn’t cover routine maternity care, it may cover ‘complications of pregnancy’, as defined in your plan documents. It is important to know and understand the definition of this term, so you know what is (and isn’t covered). The following is directly from World Nomads plans:

Complications of Pregnancy means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy.

If you develop complications of pregnancy, you may have coverage for:

• Emergency medical care expenses, including ambulance transportation, hospitalization, emergency physician services and medicines.
• Emergency medical evacuation back to the U.S. if deemed necessary.
• Trip cancellation

If something does happen when you’re travelling, you can contact the Emergency Assistance team who can refer you to the nearest hospital and help you navigate local customs.

World Nomads plans offer coverage for many other unforeseen circumstances that can derail a trip, such as:

• Trip delay
• Delayed, lost or stolen baggage
• Emergency medical expenses, if you suffer an accident or unforeseen illness that is unrelated to your pregnancy.

What isn’t covered by travel insurance while pregnant?

It’s important to be aware that any non-emergency expenses caused by or related to your pregnancy aren’t covered, such as routine prenatal care including ultrasounds and blood tests. Other pregnancy events that may not be covered include:

• Normal labor and childbirth, even if you give birth while traveling.
• Treatment of other conditions associated with a difficult pregnancy.
• Pre-existing medical conditions that may be exacerbated by your pregnancy.
• If you are traveling against the advice of your doctor.
• If you are medically unable to travel at the time you book your travel arrangements.

Our travel insurance plans don’t cover everything so make sure you read your plan document. If you decide not to travel due to your pregnancy and choose to cancel your trip, you would only be covered (up to plan limits) if you purchased the Explorer or Epic insurance plan as well as the optional cancel for any reason’ coverage, which is available at an additional cost during the time sensitive period, only. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.

If you’re unsure about anything or have questions about how pregnancy might affect your travel insurance coverage, you can contact us.

Can I fly during pregnancy?

That’s up to you to discuss with your doctor but it may affect your travel insurance and whether you’re covered. Your airline might ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications.

It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to claim on your plan benefits, because the airline denying your boarding due to a violation of their company policy is not a covered event under the plan.

You may not worry about what happens to you after you die, but your family will, particularly if it happens oversesas - so it’s important you get yourself covered just in case. Unexpected accidents or serious illnesses can be fatal, and our teams are here to help your family and friends if you die overseas. 

The priority of your loved ones will be to bring you home; we’ll be there to help take away the added stress of navigating overseas laws, different languages and formalities.

What’s covered by travel insurance if you die overseas?

If you die overseas as the result of an accident or a sudden and unexpected illness, you can be covered for:

• Return of your remains to your home country
• Local cremation or burial overseas 
• Reasonable additional expenses if someone needs to travel to identify your body

In addition, we also have emergency assistance teams who can assist your family – keeping them informed, putting them in contact with consular officials, and helping them with the often difficult administration that surrounds overseas death.

What's not covered by travel insurance?

Unfortunately, travel insurance is not designed to cover everyting, including:

• Suicide
• Deaths as a result of drugs or alcohol
• If a pre-existing condition causes your death (unless otherwise stated in the policy)
• Any costs within your home country once your remains are returned to your next of kin

This is not a full list of what's covered and not covered. It is important that you read and understand your policy before you travel as your coverage may be subject to certain limitations or exclusions. This policy provides complete descriptions of the benefits, terms, conditions, limitations and exclusions of your insurance coverage.

While your chances of being on the receiving end of a terrorist attack are slim, we know it’s a concern for many travellers. Make sure you know what our policies cover, so when you buy one, you're prepared if you're unlucky enough to be caught up in an attack. 

What can travel insurance for Canadian residents cover if there's a terror attack?

If the event is unforeseen – which by their very nature terrorist attacks almost all are, you could be covered for:

• Hospitalization
• Emergency out-patient treatment
• Medical transportation to bring you home

In addition, we also have emergency assistance teams who can assist you – keeping you informed, putting you in contact with consular officials, arranging medical care, and getting in touch with your family for you.

What’s not covered by travel insurance if there's a terror attack?

Travel insurance isn’t designed to cover everything. Our Emergency Assistance team often sees claims for terrorism that have to be declined because our plan excludes them. They include:

• Cancellation or trip interruption expenses 
• Changing your mind about traveling
• Buying a policy AFTER the event happens
• Traveling to a country that the Canadian government has advised travelers not to visit (if the warning is issued before you begin your trip or buy your policy)

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.

• What are the benefits of emergency evacuation and repatriation insurance?
• What is the difference between emergency evacuation and repatriation
• What does World Nomads insurance cover for emergency evacuation and repatriation?
• What's not covered by emergency evacuation insurance?

Whether you’re trekking to see Machu Picchu, surfing in Maui, scuba diving off the coast of Thailand, or skiing in Europe, accidents or sickness can happen at any time during your trip. If you’re far from appropriate medical facilities, emergency evacuation and repatriation insurance can help get you the care you need.  

What are the benefits of emergency evacuation and repatriation insurance?

Unexpected medical emergencies can happen at any time, whether you’re near or far from home. Appendicitis, a broken leg, animal bites and even a bout of severe food poisoning have all sent travellers to the hospital. But what happens if the nearest hospital or appropriate medical facility is dozens or even hundreds of kilometres away?

Medical transport – particularly Medivac flights – can cost tens of thousands of dollars. What could be a lifesaver could also deplete your savings. Emergency evacuation and repatriation coverage may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or to your home province for further treatment.

What is the difference between emergency evacuation and repatriation?

An emergency evacuation involves transporting patients to a hospital or other medical facility in order to be treated.

Repatriation is a type of evacuation that returns travellers back home, typically after their condition has stabilized and when your treating physician recommends you return to your home province because of your medical condition.

And in a worst-case scenario, if a traveller dies on vacation, World Nomads travel insurance also covers repatriation of remains. It’s not an easy thing to think about, but it does happen from time to time. 

What does World Nomads insurance cover for emergency evacuation and repatriation?

Under your World Nomads plan, emergency evacuation is covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re going to be at the hospital for three days or more, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home. 

Emergency evacuation and repatriation typically takes place through a commercial flight. We may cover:  

• One-way economy airfare to return you to your home province in Canada.
• Fares for additional seats should you need to accommodate a stretcher.
• Flight upgrade to business class when a stretcher isn’t necessary.
• Where medically necessary, medical air evacuation to a hospital in your home province.
• Round-trip airfare for a medical escort when a requirement by the airline or when medically necessary.

The key thing to remember is that you must contact us before seeking emergency medical treatment, emergency evacuation or repatriation.  

Medical repatriation travel insurance is available for international travel or domestic trips outside your home province. You must be covered under your Government Health Insurance Plan (GHIP) for the full duration of your policy to be eligible for maximum emergency medical benefits. If you do not have GHIP coverage while on your trip, emergency medical benefits will be limited to $40,000 CAD for the duration of your trip.

What's not covered by emergency evacuation insurance?

Our travel insurance plans do not cover everything. For example, our plans do not provide coverage for any of the following:

• Any incidents related to drug and alcohol abuse.
• Unnecessary upgrades or other non-cost-effective options.
• Participation as an athlete in professional sports or participating in activities you have not listed when you purchased your plan.
• Travelling for the purpose of securing medical treatment.
• Pre-existing medical conditions, as outlined in your policy wording.
• Continuing medical care back in Canada.

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.

If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain as the empty belt went round and round, you know the sinking feeling that comes with losing your luggage. 

While this is one of the most common ways your baggage can become a dearly departed companion, other issues with your baggage can arise too, like baggage delay, damage, and theft. 

Our travel insurance may help you when your plans for your bag go awry.

• Why travel insurance is your best bet when your bags go AWOL
• What is not covered?
• What to do if your bag gets lost or stolen while you’re overseas
• Keep your luggage safe
• FAQs

Why travel insurance is your best bet when your bags go AWOL

We know how much your bag means to you while you’re overseas. They often hold all your most precious items, like your journal, your favorite hiking boots and that new something you bought just for this trip. Sometimes all your worldly processions are in those bags! That’s why baggage coverage is your best bet in case your bags go AWOL. 

Whether you choose our Standard or Explorer plan, here’s how World Nomads travel insurance may be able to help if your bags go missing or are delayed, lost, or stolen. We offer coverage in case of:

• Baggage delays by the common carrier
• Stolen baggage or items (including tech items like computers and camera)
• Bags that have been lost in transit by the common carrier
• Stolen passports
• Damage caused by a carrier

It’s important to read over your policy wording to become familiar with what is and isn’t covered, so there are no surprises should you need to make a claim.

What is not covered?

While World Nomads travel insurance is designed to cover your baggage and personal effects that you take on your trip, the baggage, personal effects and sporting equipment coverage of your travel insurance isn’t designed to cover everything. Travel insurance doesn’t cover certain situations and circumstances, including but not limited to:

• Accidentally leaving your baggage or personal belongings behind.
• Stolen bags that were left unattended or unwatched.
• Electronics that were kept in checked-in baggage.
• Bicycles and some sporting equipment, particularly while in use.
• Baggage that has been left in an unlocked vehicle (or left overnight, even when the car is locked).
• Business equipment.
• Items that have not been reported to a local authority (police, airline, etc.).

What to do if your bag gets lost or stolen while you’re overseas

Had your bag stolen while on the overnight train from Bangkok to Chiang Mai? Or perhaps it got lost in transit en route to Peru? Bags can lose their way for a variety of reasons. It helps to know how to pick yourself back up again if you find yourself without your stuff while on the road.

If your luggage has been stolen or is lost by your common carrier along the way, there are a few things you need to do to increase the likelihood of your travel insurance covering you. Take a look at this easy-to-follow guide for what to do if your luggage is stolen while travelling. And remember, the first rule of thumb is always to report it. 

In addition, if your luggage is delayed more than 12 hours, you may be entitled to reimbursement of the costs for essential clothing and toiletries. Check your policy wording carefully as terms and conditions apply.

Keep your luggage safe

While stealthy snatches and misadventuring bags can happen, there are a few simple tips and tricks you can keep in mind while travelling (and even before you go) to help reduce the risk of losing your most valued processions.

From always packing and carrying your own bags and wearing the right gear, to safeguarding your bags with zip ties, follow these essential tips from travellers on how to keep your belongings safe while you travel.

Get a quote

Ready to pack your bags? When you get a quote you can compare our Standard and Explorer plans and decide which one might best suit your needs.

Still not sure? Get in touch and we can help you decide which travel insurance is best for your next snow adventure.

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.