Travel Insurance for Dental Emergencies
Learn how travel insurance for US Residents may cover emergency dental treatment expenses abroad.
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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.
- What does travel insurance cover for overseas emergency dental treatment?
- What isn’t covered by travel insurance dental coverage?
- What to do if you are experiencing a dental emergency abroad?
Broken or chipped teeth can happen at any time. It could be seeded bread in Berlin, olives in Athens, or chestnuts in Istanbul. Or perhaps you’re surfing in Sayulita and get hit in the face by your surfboard, which breaks your tooth.
If pain or injury suddenly strikes while you’re traveling out of the country and you find yourself dealing with a dental emergency, World Nomads Travel Insurance may help cover the overseas emergency dental treatment you need to get relief.
What does travel insurance cover for overseas emergency dental treatment?
Our plans may cover overseas dental expenses if you need to see a dentist while traveling for unexpected emergencies. For example, World Nomads dental coverage can help you if you need to seek immediate relief of sudden pain to healthy, natural teeth for things like:
- An unexpected infection
- Chipped or broken teeth
- Injuries to your mouth or jaw due to an accident
You may have coverage under the emergency medical section of your plan for things like:
- The services of a physician or dentist
- X-rays, treatments and lab tests
- Hospital fees
Limits, terms, and conditions of overseas dental coverage vary depending on the plan you buy and your past dental history. The pain or injury must have occurred while you were on your trip. When you get a quote for travel insurance* coverage, you can compare the plans side-by-side to determine which one might be right for you. Pay attention to the medical coverage, as this applies to emergency dental treatments too.
To streamline your experience seeking dental treatment abroad, we recommend signing up for our Portable Health Records service before your trip. This non-insurance service allows documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or to deal with a more serious injury, this service can expedite the process.
Travel insurance tip: To be reimbursed for costs incurred during overseas dental emergencies, your dental illness or injury must be confirmed in writing by your treating medical practitioner. You must get copies of all medical and dental records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Coverage is limited to the amount shown in your plan wording.
What isn’t covered by travel insurance dental coverage?
Travel insurance isn’t designed to cover everything. Our dental plans cover dental emergencies but not routine dental work. Here are things we don’t cover:
- General check-ups and routine maintenance
- Getting your teeth straightened
- New teeth or fillings following pain relieving treatment
- Major dental work such as crowns, dentures, bridges, and implants
- Buying a plan after the pain has set in
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were healthy enough to travel when you made the purchase
- Non-emergency treatment that can wait until you return home. Remember: the coverage isn’t health insurance; it's for travel emergencies.
- Treatment needed due to participation in activities outside of your plan’s limits
- Dental expenses once you return home from your trip
What to do if you are experiencing a dental emergency abroad?
- Contact the Emergency Assistance team first: The Emergency Assistance team can help take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
- Explain what is going on: The 24/7 emergency assistance teams have connections and relationships with dental providers all over the world and can refer you to the most suitable one for your particular emergency.
- Refer to your plan documents to make sure what you are dealing with falls within the perimeters of your particular plan: The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the plan 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.
- Ask yourself: is it a true emergency or is this care that can wait until you get home to the US? Remember, World Nomads Travel Insurance covers dental emergencies only, not routine care. If you are unsure if what are you dealing with is a true emergency, give us a call.
- Save all receipts and documentation from the dental provider: Documentation is needed to be reimbursed for qualifying expenses. You’ll likely need to pay in advance. You can submit a claim online either right then or you can wait up to 20 days afterwards to do so.
*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.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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
- Are you or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
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 teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for US Residents
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At a glance:
- World Nomads offers plans that cover hiking at high altitudes, including treks 26,247 feet/8,000 meters with the Epic Plan.
- All travel insurance plans have coverage for emergency medical expenses, evacuations, baggage loss, trip cancellations, and 250+ other adventure activities.
- Optional Cancel for Any Reason (CFAR) coverage adds flexibility if plans change unexpectedly (must be added within 7 days of first deposit for your trip).
- Access pre-trip telehealth services to get travel medication, like altitude sickness pills or necessary vaccinations, before you go.
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.
- How can I protect my hiking trip with travel insurance coverage?
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Travel insurance benefits for hiking
- What's not covered
- Top tips for your hiking adventure
- Other adventure activities covered
Whether you’re trekking to Everest's Base Camp, Tanzania's Mt. Kilimanjaro or just going for a high-altitude hike in a neighboring state, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.
Hiking and trekking travel insurance coverage
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer coverage for some of the world’s most famous hikes and 250 other sports, activities and experiences.
We offer four plans – Standard, Explorer, Epic and Annual – each with different maximum elevaton coverages for your hike:
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Standard Plan
covers hikes up to
19,685 feet/6,000 meters -
Explorer plan
covers hikes up to
21,325 feet/6,500 meters -
Epic plan
covers hikes up to
26,247 feet/8,000 meters -
Annual plan
covers hikes up to
19,685 feet/6,000 meters
Get a quote and compare the plans to see which level of coverage is right for you.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia or embarking on the Tour du Mont Blanc.
What travel insurance benefits could cover you and your hiking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses: if you get hurt while hiking on your trip and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your hiking injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
All plans also include several additional non-insurance services that may support you both before and during your hike. These include pre-trip medical consultations and storing your medical records digitally.
What may not be covered?
- Being under the influence of narcotics
- Unattended baggage, sporting equipment or personal items.
- Travel within 100 miles of your home.
Get 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 quote
Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our pre-departure telehealth service to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits for covered activities. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel protection plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers three single-trip travel protection plans (Standard, Explorer, and Epic), plus an Annual Plan, each with different elevation coverage to match your goals. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travelers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse non-refundable costs if you cancel for a covered reason (like sickness or injury). If you’re considering purchasing the Explorer or Epic plans with optional Cancel For Any Reason (CFAR) coverage, it must be purchased within seven days of your first trip deposit (such as booking a flight or putting money down on a hotel). Purchasing early also gives you access to our non-insurance pre-trip telehealth service, which can help you get essential medications—like altitude sickness pills or antibiotics just in case last night’s campfire chili doesn’t agree with you. Planning ahead means more flexibility and fewer surprises on the trail.
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for insurance coverage with World Nomads?
Yes, each plan has a different altitude maximum.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
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Do I need insurance coverage for multi-day hiking trips?
Yes, multi-day hiking and trekking adventures may require more robust travel insurance coverage due to the added risks of being in remote areas for extended periods. World Nomads offers a range of plans that may cover emergency medical care, evacuation, trip cancellation, gear protection, and more. Our plans also include different elevation limits, so whether you're doing a relaxed overnight hike or a challenging high-altitude trek, you can choose a plan that fits the level of adventure you're planning.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
This is not a full list of what is and isn’t covered, so please check your plan document 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. Exclusion applies to Adventure or Extreme Activities.
20250224-4259830Travel 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 hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- 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)
We cover 250+ activities you love
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 Death Overseas
Learn how travel insurance could help your family if you die overseas.
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As featured in:
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.
How your family or friend can get assistance if you die overseas.
It’s essential that your family or travel buddy get in contact with our Emergency Assistance team as soon as possible, so that our team can support them from the time you die until your remains have returned home.
To help our Emergency Assistance team assist them quickly, they'll need the following:
- Your policy number
- Your location
- As many details as possible about the circumstances surrounding your death
So, leave a copy of your policy with your family or friend, just in case they need to use it.
How we help.
Overseas deaths are the most heartbreaking cases to help with. No one is ready to deal with the sudden death of a close relative overseas, let alone having to deal with the complex organisation and unexpected high costs. The World Nomads Emergency Assistance team can coordinate a local burial or bringing home loved ones with trusted partners on the ground, and ensure that families and friends are supported throughout such a difficult time.
Operations Manager.
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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 teamDoes Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
- As featured in:
As featured in:
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.
How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our Emergency Assistance Team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our Emergency Assistance team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Terror Attacks in Paris.
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
US Traveller
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
No, unfortunately there's no cover for this in our Canadian policies.
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Can you refund the rest of my policy because I’ve returned home early?
No. If you’ve travelled on your policy, there are no partial refunds.
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What if I have to leave my baggage behind?
Unfortunately there’s no cover if you leave your baggage behind.
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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 teamTravel Insurance for Emergency Evacuation and Repatriation
When home is the best place for healthcare and healing.
- As featured in:
As featured in:
- 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.
How to get medical assistance.
It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible. Our team can support you from the time you get sick or injured until the time you get home.
To expedite your call, please be ready with the following:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
Abdominal pain in Myanmar
On my second day in Burma, I woke up in the middle of the night with intense abdominal distress. I was rushed to the Asia Royal Hospital and immediately taken for evaluation and an ultrasound. I had a large mass in my abdomen and evacuated to Bangkok that evening to see a specialist. I was admitted to Bumrungrad International Hospital, where I stayed for eight days for a battery of tests, including several ultrasounds, a CT scan, and two aspirations of what turned out to be a renal cyst. After a conditional discharge, where I was restricted to rest, I was deemed stable enough to be evacuated. Two days later I was on a flight back to the U.S., where I am now continuing treatment.
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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 teamFAQ
Here are our most frequently asked questions around medical repatriation. You can also find the answers to other questions in our Help Centre or you can ask the customer service team.
-
Can my mother come and get me?
In some situations, yes. If you are travelling alone and are admitted to the hospital for three days or more, we cover the cost for economy class airfare and subsistence allowance for someone to be with you.
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Can I choose the gender of my nurse or doctor?
In an emergency medical situation, the medical provider will determine who will provide your treatment. If you have a particular request or concern, speak to the medical team; they may be able to address your issue.
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What if I’m heavily medicated due to my emergency medical condition? Will I be allowed to trans-it in all countries to get home?
Our medical department and assistance teams can assist in coordinating your transportation home if your treating physician recommends that you return home after your emergency medical treatment.
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What happens I’m on life support?
Our plans offer coverage for medical evacuation and repatriation coverage as well as coverage for a bedside companion. In consultation with your treating physician, our medical department and assistance teams will look at the best possible solution based on your emergency medical condition to either return you home or get your family to you.
Travel Insurance for Delayed Baggage
Learn how travel insurance could help if your luggage misses your flight.
- As featured in:
As featured in:
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.
Travel Insurance Baggage Tips:
- Find and scan your receipts before your leave.
- If an airline loses your gear, tell them straight away and get it in writing.
- Theft? Report it to the police immediately, or as soon as reasonably possible.
- If you’ve got a handset or tablet that can be blocked, block it.
- You can claim at home or on the road.
FAQ
Here are our most frequently asked questions about cover for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What if I don’t have receipts for my baggage and personal effects?
You can still file a claim. However, the claims team might depreciate your items or be unable to process your claim.
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If the airline loses my baggage, what do I need?
You’ll need documentation from the carrier confirming the loss and any compensation they provided to you, or offered to you, your original receipts, and a copy of your itinerary.
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Do my baggage and personal affects get depreciated?
Yes, they do. We cover the depreciated value of the item up to the limit shown in the policy.
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I'm on a gap year. Can I claim for my baggage while I'm away?
You can claim whenever you like, while travelling or when you return home.
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Am I covered if I lose my passport?
Our travel insurance policies may reimburse the costs associated with getting a replacement passport if yours has been stolen. Check out our article on stolen passports for more information.
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I have a high-value camera. Does your travel insurance cover it?
Always make sure you get the right level of coverage for your needs. Our policies have per-item and overall coverage limits. When you get a quote, you can compare coverage offered by our Standard and Explorer plans side by side, and as always, reach out if you have any questions.
Baggage Delay in a Delhi Winter.
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
S.Netanel. U.S Nomad in India.
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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 teamTravel Insurance for Trip Cancellation
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
- As featured in:
As featured in:
If you’ve booked and paid for your trip and need to unexpectedly cancel, the last thing you want is to be out of pocket for non-refundable trip costs. World Nomads travel insurance plans offer coverage for your non-refundable, pre-paid travel arrangements, such as transportation and accommodation expenses if you need to cancel your trip for a covered reason. So, you’ll have one less thing to worry about and you can start saving for your next adventure instead.
What is travel insurance trip cancellation coverage?
If you must cancel your trip due to a covered reason, there's trip cancellation coverage in both our Standard and Explorer travel insurance plans. We cover your non-refundable prepaid trip costs (up to the maximum limit listed in the schedule of benefits) if you can't travel for a covered reason.
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician that prohibits them from travelling, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- Your or your travel companion’s business partner.
We know more than illness can stop you from travelling, so we also provide trip cancellation coverage in cases like these:
- The Canadian government issues a formal advisory against travel to a destination, country or region listed on your itinerary. The advisory must be issued after both the date you paid for non-refundable prepaid travel arrangements and after your policy effective date. Note there is no coverage if an advisory is issued due to an epidemic or pandemic.
- Your principal residence or destination residence is made uninhabitable by a natural disaster or unintentional act.
- You or your travelling companion are a victim of a felonious assault within 10 days prior to your trip start date.
- A strike stops all travel services at your departure point or destination.
- Your travel supplier files for bankruptcy or completely ceases operations more than 14 days after your policy purchase date and the loss incurred is not recoverable from any other source.
It's important to note that trip cancellation coverage will not be available for an event or circumstance that is known before you purchase your travel insurance. Examples include, but are not limited to: an already-announced strike, an already-named hurricane and a pre-existing medical condition.
When you get a quote, be sure to read through the policy to understand the coverage and what the limits are, and any conditions and exclusions that apply. If you have questions regarding the coverage, please contact us.
What's not covered by travel insurance trip cancellation coverage?
Travel insurance isn't designed to cover everything. Here are some things that are not covered by your World Nomads plan:
- If you change your mind about travelling
- If your visa is refused
- If you break up with your partner
- Events that are known before you buy the policy
- Pre-existing medical conditions that are excluded in the policy
Be prepared if you need to claim for trip cancellation
Depending on your trip cancellation claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors/death certificates
- Medical history
- Written documentation from the travel provider of reason for cancellation and any refunds
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.
Wife's accident cancels Kilimanjaro.
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
S.Korpak. Norwegian Nomad.
FAQ
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Is there a time period that I have to claim within?
Our policy requires you to notify us of a cancellation no later than the next business day. If you're waiting on documentation, just let our customer service team know, so they can make a note.
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If I'm having trouble getting documents from my travel provider, will you get them for me?
It's up to you to provide all of the documentation to support your claim.
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Can I get a refund on my policy as I'm not travelling?
If you're making a claim, or you're outside of the free look/cooling off period, there are no refunds.
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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 teamTravel Insurance for Lost, Stolen or Damaged Bags
Canadian residents can protect their baggage and gear with travel insurance
- As featured in:
As featured in:
- What baggage insurance covers
- How travel insurance could help if your bags go missing
- How travel insurance can help if your bags are delayed
- What to do if your bags get lost at the airport
- How much does travel insurance with baggage coverage cost?
- Does travel insurance cover pickpocketing?
- What should you do if your passport or other travel documents are damaged or stolen?
- What isn’t covered by baggage insurance?
- FAQs
We’ve been the ones sitting at the baggage carousel waiting for the bag that never came. Sometimes it’s just delayed, but other times it’s gone forever. Either way, it’s no fun. We hope you never have to deal with that situation, but if you do, travel insurance could come in handy.
What baggage insurance covers
A travel insurance plan that includes baggage coverage could help you with a variety of situations other than just lost bags. Some other things covered by your travel insurance may include:
- Baggage delays by your airline or other common carrier on the way to your destination
- Stolen baggage or personal items
- Stolen sporting equipment
- Theft or damage to passports and IDs
How travel insurance could help if your bags go missing
If your bags are lost by a common carrier, travel insurance could reimburse you for the depreciated value to replace items such as clothing, cameras, computers, and more (maximum and per item limits apply.) Items that are lost are reimbursed at the depreciated value that is listed in your policy wording. Make sure you have a receipt that shows the price you paid for the item. In addition, it’s helpful to have a picture of what you are packing in your suitcase so you can prove you had that item with you.
How travel insurance can help if your bags are delayed
Sometimes your checked bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you could be reimbursed for things such as toiletries or a change of clothes (up to maximum limits.)
What to do if your bags get lost at the airport
You’ll need to report the issue to your airline if it was lost by them. For example, if your airline lost bags that you checked, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. You’ll also need to keep any relevant tickets, luggage check information, receipts, and other documentation related to the issue. You’ll need these items if you plan to make a claim.
Since checked bags have a way of getting lost sometimes, it can be a good idea to keep your policy number handy, as well as the phone number for the 24/7 Emergency Assistance team. We suggest putting the information in your phone or keeping a copy of the paperwork in your carry-on bag so that you have it easily accessible. You’ll need to contact us immediately to let us know if your bag gets lost. Our LiveTravel™ Emergency Assistance team can also start tracking down your bag immediately.
How much does travel insurance with baggage coverage cost?
World Nomads travel insurance offers two options for Canadian residents - the Standard and Explorer plans. The Explorer plan costs more but has higher limits and sub-limits of coverage. For example, the Standard plan offers coverage that includes up to $1,000 CAD for baggage and personal effects that become lost or damaged by the common carrier or stolen, while the Explorer plan offers up to $3,000 CAD for baggage and personal effects that become lost or damaged by the common carrier. The Explorer plan also offers higher maximum limits for things such as baggage delay and loss of sporting equipment by a common carrier.
When you get a quote for travel insurance, you’ll be able to see the costs and compare the coverage of each plan side by side. We encourage you to review both plans so that you can determine the best travel insurance plan for your needs. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes.
Does travel insurance cover pickpocketing?
Pickpocketing is common in some destinations and is especially prevalent in areas where there’s large crowds. While there’s things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance could cover the cost to replace your stolen items (subject to depreciation.) Just make sure you make a police report with the local police as soon as it happens. You will need this documentation if you plan to make a claim.
What should you do if your passport or other travel documents are damaged or stolen?
If your passport, driver’s license, birth certificate, or travel visa is stolen, or accidentally damaged while you’re travelling, your travel insurance could reimburse you for the cost of replacement (up to maximum limits as shown in your policy wording.)
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss theft.
What isn’t covered by baggage insurance?
It’s up to you to keep an eye on your bags and try to keep them safe. We know accidents happen, but if you intentionally leave your bags unsupervised, leave them in an unlocked car, or accidentally leave them behind, you wouldn’t be able to claim that on your travel insurance. A few other things that wouldn’t be covered include:
- Baggage and sporting equipment delayed on your final return flight home
- Stolen items not properly reported to the authorities
- Damage or loss resulting from normal wear and tear
- Items shipped under a freight contract
- Animals
- Perishable items
- Artificial teeth or limbs
- Eyeglasses
- Items related to your occupation or profession
- Antiques
- Fragile items
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.
FAQ
Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What should I do if the airline loses my bag?
Get written evidence of the loss from your airline, including documentation showing how they will compensate you. You’ll also need to contact us to let us know about the loss. Make sure you keep any relevant tickets, luggage check information, and other documentation related to the issue. You’ll need these items if you plan to make a claim.
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How much does travel insurance pay for bags lost by your airline?
After you’ve exhausted reimbursement benefits from your airline, travel insurance could cover the depreciated value of lost items (up to the maximum and per item limits shown in your Schedule of Benefits.)
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Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. Depreciation happens to match the claim to the item’s current price, not the original value.
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Will travel insurance pay for my passport replacement if I lose it?
Travel insurance covers passports that are lost, stolen, or accidentally damaged during your travels. If you lose it before or during your trip, travel insurance wouldn’t cover the cost to replace it.
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If I’m robbed, will travel insurance pay for my stolen items?
Travel insurance could help with the cost of replacing your stolen items (up to depreciated value.). If you’re a victim of a robbery, you’ll need to report it to the police as soon as possible and get a police report. You’ll need written documentation of the robbery if you intend to make a claim.
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Will travel insurance pay for my lost sporting equipment?
Yes, sporting equipment that is stolen or lost by a common carrier could be covered by your travel insurance (maximum limits and per item limits apply.) If your sporting equipment is delayed by your airline more than 12 hours on the way to your destination, you could also be reimbursed (up to the maximum limit) if you need to rent sporting equipment while on your trip
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Other than baggage, what is covered by travel insurance?
Besides baggage coverage, travel insurance can also cover a variety of other things such as emergency medical expenses, emergency evacuation and repatriation, trip cancellation, trip interruption, and trip delay. There’s also over 250 activities that are covered for Canadian residents.
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Does travel insurance cover delayed bags or stolen items if I’m travelling within Canada?
Yes, as long as you are travelling outside of your home province, travel insurance from World Nomads could offer coverage for delayed baggage. It could also offer coverage for items that are stolen while you’re travelling outside of your home province.
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How do I make a claim if my items are lost, damaged, or stolen?
You can start a claim online by logging into your member account. If you need help, contact our team and we’ll be happy to assist. Make sure you have your policy number, receipts, and any other documentation such as police reports and written proof of loss from your airline.
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 teamBaggage Delay in a Delhi
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
S.N. U.S Nomad in India
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
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
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 prescription meds?
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 deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- 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)
Travel Insurance for Overseas Medical
Don't let your medical expenses bury you.
- As featured in:
As featured in:
We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter accidents, and at least one shark bite! When the unexpected happens, our 24/7 emergency medical assistance teams will support you and your family, so you can focus on getting better.
What Overseas Medical Expenses are covered by World Nomads travel insurance for Canadians?
If you’re injured in an accident or suddenly get sick while traveling, and you've bought a policy for the activities you're doing, you can be covered for emergency medical treatment including:
- Hospitalization
- Out-patient treatment for medical emergencies, prescribed medicines, X-rays, and laboratory tests
- Being brought home if medically necessary
We also have 24 hour multi-lingual assistance teams who can guide you to the nearest hospital, set up direct payments to the medical facility where available, and help you navigate local customs. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
You must contact us before seeking medical attention, emergency evacuation or repatriation. Failure to call may result in limits or denial of claims. If your medical condition prevents you from calling, you must call as soon as medically possible or have someone call on your behalf.
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
- If you've abused recreational drugs or alcohol
- That rash you picked up on your last trip (as it's now considered a pre-existing condition)
- Where you've been acting reckless
- Non-essential medical treatment, such as routine physical exams (it's not health insurance, it's for travel emergencies)
- Jumping on a motorbike without a helmet or license (even if the place you’re in does not require a helmet)
- Care or treatment that is not payable under your GHIP or any other insurance plan
- Injury or sickness within 48 hours of your departure date (if you bought your policy after you left home).
For more information check out our articles on overseas medical coverage and adventure sports coverage.
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.
How to get medical assistance.
It’s essential that you get in contact with our Emergency Assistance team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now and/or your cell phone number
- The nature of your problem
- Your location
Monkey Bite!
While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. I received the first Rabies vaccination and then went to the International SOS office in Bali for an examination. There I received a second rabies shot, and then immunoglobin shots.
S.Dutter. U.S Resident in Indonesia.
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 teamFAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency! Should you require hospitalization and/or medical evacuation the insurer will work directly with the hospital and evacuation services on your behalf. They work very hard to ensure you do not have to pay out of pocket. However, should you require a visit to an urgent care facility, they will not accept any insurance so you most likely will have to pay out of pocket and, upon your claim being approved, be reimbursed for your expenses.
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Do you have a list of doctors/dentists so I know where to go in case something happens and make sure I’m covered
We don't have a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Travel Insurance for Terrorist Attacks
If the worst happens, travel insurance may be able to help.
- As featured in:
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.
- What can travel insurance for U.S. residents cover if there's a terror attack?
- Can I cancel my trip if there’s been a terror attack?
- What’s not covered by travel insurance if there's a terror attack?
- Preparing for Travel
The world can be a volatile place, and we know terrorism is a concern for many travelers. Read on to learn more about what our travel insurance* plans cover.
What can travel insurance for U.S. residents cover if there's a terror attack?
First things first – get yourself to safety and follow the directions of the local authorities. When you are safe, give our 24/7 Emergency Assistance Team a call and let them know where you are and what happened. The team may be coordinating with other travelers like yourself, and may be able to assist with directions, advice or even emergency evacuations, if you are in imminent physical danger. The team may also have contacts within the local governments or embassies, and this could be a valuable resource in your scary situation.
If you get injured in a terrorist incident while traveling, the emergency medical expense may reimburse you for:
- Hospitalization
- Emergency out-patient treatment
- X-rays, lab tests
- Medication
- Medical evacuation to bring you home, subject to approval from the 24/7 Emergency Assistance Team
If you are not injured but are in imminent physical danger due to political unrest or security incidents, you may be eligible for evacuation to your original destination or to the nearest place of safety. You’d need to contact our 24/7 Emergency Assistance Team if this happens and then may be able to make arrangements, keeping you informed as the situation develops. Often times, you won’t be the only traveler in this situation and so plans may already be in place for evacuations when you call.
Can I cancel my trip if there’s been a terror attack?
If a terrorist incident takes places in your departure city or in a city listed on your trip itinerary within 30 days of your departure date, you may have coverage for trip cancellation or trip interruption. In order to be eligible for coverage, you must purchase your travel insurance plan before an incident happens.
If you are concerned about future events, whether they are terrorism-related or not, you may also want to consider the optional ‘cancel-for-any-reason' add-on benefit. If you have an Explorer or Epic plan, you can add this benefit (for an additional charge) and you would be able to cancel your trip for any reason and recover a portion of the non-refundable, prepaid trip expenses. You must purchase this benefit during the time sensitive period of 7 days within making your first trip deposit or payment (booking an airline ticket, reserving a hotel, etc). Maybe you are just too nervous to fly right now – that will be covered with this benefit. Maybe the political environment has changed in the country you planned to visit, and you feel it’s now unsafe... that will be covered. If you don't have ‘cancel for any reason’, you will only be eligible to cancel or interrupt your trip for the specific covered reasons listed in your plan.
What’s not covered by travel insurance if there's a terror attack?
Travel insurance isn’t designed to cover everything. Here are some things excluded from coverage (apart from the add-on ‘cancel for any reason’ benefit):
- Buying a plan after the event happens
- War or invasion whether war is declared or not
- Participation in any military maneuverer or training exercise
- Fear of travel or changing your mind (unless you purchase the optional ‘cancel for any reason’ coverage)
Preparing for Travel
Always research your destination before you travel. Visit travel.state.gov for the most up-to-date advice, travel advisories and security alerts provided by the U.S. government.
Register your trip with the State Department’s STEP program.
If the government of the United States or your host country makes an announcement about a potential terrorist incident, it’s a good idea to leave the area if it is safe to do so.
*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.How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our assistance team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance team can assist you quickly, please be ready with the following:
- Your plan number
- A contact number for where you are now
- The nature of your problem
- Your location
Terror Attacks in Paris.
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
US Traveler
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Am I covered if I need to cancel my plans as a result of terrorism?
Covered reasons for trip cancellation are listed in the plan documents. We suggest you read those carefully to understand how they apply to terrorism situations. All our Single trip and annual travel insurance plans have trip cancellation coverage, but only for covered reasons. If terrorism is a concern of yours for the place you intend to travel to in the future, you may want to consider purchasing the Explorer or Epic plan and adding on the optional ‘cancel for any reason’ benefit (at an additional charge). This must be done during the time-sensitive period of 7 days.
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Can you refund the rest of my plan because I’ve returned home early?
No. If you’ve traveled on your plan, there are no partial refunds.
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 team