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Travel insurance when going scuba diving

Simple and flexible travel insurance to keep you safe on your next dive trip. Buy at home or while traveling, and claim online from anywhere in the world.

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Going on an underwater adventure?

Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen. Whether you're learning or you’ve done hundreds of dives, World Nomads travel insurance can help take the pressure off you and your family if the unexpected sinks your next dive trip.

What types of dives are covered?

As passionate divers ourselves, we’ve designed our plans to cover dives from the Great Blue Hole to The Yongala, and we can offer cover for:

  • Recreational scuba diving (qualified divers up to 50m on some plans)
  • Discover scuba dives (with qualified instructors)
  • Shark cage diving, cavern, cave and wreck diving (some plans only, check yours carefully)
  • Snorkeling, island escapes, live-aboard trips and more.

Keep in mind that all plans are different and may require an additional premium when going scuba diving to specific depths depending on the plan chosen and your Country of Residence. Terms, conditions, limits, and exclusions apply. Read the policy wording carefully to choose the right plan and/or adventure sport option for your trip.

Choosing the right policy for you

We offer two plans – Standard and Explorer – each of which offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific scuba diving plans.

For more information on what you may be covered for, check out our article on specific coverage when scuba diving. Make sure you add in your country of residence for accurate information.

Cover for your scuba diving gear

We know that scuba diving equipment such as scuba tanks, fins BCD and regulator, underwater film and photography equipment can be expensive, so we can offer cover for high-value items.

We also offer cover for your baggage in general so if your baggage or scuba diving gear is delayed, lost and/or damaged, you may be able to claim for a replacement, reimbursement or delay up to a per item and total maximum limit. Terms and conditions apply so be sure to check the policy wording and contact us if you have any questions.

Your coverage will vary according to your Country of Residence and whether you choose a Standard or an Explorer Plan. Read your policy wording for details on maximum benefit limits, exclusions, and the terms and conditions of your coverage.

If your gear is delayed, lost or damaged, you must report the incident as soon as possible to a responsible officer for the carrier. Make sure you get a Property Irregularity Report, or a similar official report, in writing and make a claim directly with the carrier before making a claim.

Cover for medical emergencies

Your health and safety are a priority when you’re exploring the ocean, which is why our plans cover emergency medical expenses should you become sick, get into an accident or get hurt whilst diving or snorkelling.

Cover for medical evacuation

You might be on a reef far from medical assistance on your dive, and our policies include coverage if you need to be evacuated to a medical facility.

Emergency assistance 24/7

Having an emergency in a foreign country can be overwhelming but buying a World Nomads policy means you’ll have access to our 24/7 Emergency Assistance team. Our Emergency Assistance team can facilitate a range of services in whatever part of the world you’re traveling, can speak multiple languages and they’re available 365 days a year.

Scuba diving: What’s not covered

While we can offer coverage for a lot of scuba diving events, there are also things we just won’t cover. These include, but are not limited to:

  • Any unaccompanied dive, any dive for gain or reward, any dive which takes you deeper than your current qualification limits, or any dive deeper than 50 metres under any circumstance – sorry, but that’s a no-go for us.
  • If you travel against medical advice or neglect to adhere to government ‘Do Not Travel’ warnings issued prior to departure.
  • Any pre-existing medical condition unless otherwise expressly stated in your policy.
  • Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
  • Expenses you incur after you return to your Country of Residence.
  • Working or participating professionally in any activity or sport.

Handy tips for safe scuba diving

  • Only dive if you are fit to do so. You may need to consult your medical practitioner before going scuba diving and get a ‘fit to travel’ approval
  • Check all your gear to ensure everything is in good working order and then do a buddy check of your fellow divers. (Note: many products do not cover gear while in use.)
  • Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment. Make sure you check your instructor's credentials.
  • When scuba diving with a group, listen to your instructor or dive guide regarding the planned route and what to look out for


This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

FAQ

Here are our most frequently asked questions about scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. 

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?
  • Dive 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
  • Stepped on a stonefish?
  • Got a serious squeeze?
  • Need 02 or hyperbaric treatment?

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
  • Sea level medical evac?
  • Need an ambulance?
  • Medivac needed home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Go Pro stolen?
  • Bags lost in transit?
  • Luggage 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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
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What is Travel Insurance?

Unsure how travel insurance works, and why you might need it? Get your answers here.

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Travel insurance is often the last thing we want to think about when packing for our escape. However, there are many unforeseen events that can turn your trip into a nightmare. That's where travel insurance is designed to help.

Travel insurance is designed to help cover your expenses if something goes wrong before or during your trip. Travel insurance can provide financial protection against these unforeseen events that could disrupt your travel plans.

Also, your personal health insurance may not cover costs while traveling out of the country or might exclude certain activities. With travel insurance, you can explore your boundaries (within reason, of course) and still have cover available.

Traveler tip: travel insurance is not a substitute for your primary health insurance and won't cover non-essential overseas medical treatment, such as routine exams. 

Rear view of young Asian mother holding hands of cute little daughter looking at airplane through window at the airport while waiting for departure.
Photo credit: Getty images / d3sign

What else do I need to know when buying travel insurance?

When you buy travel insurance World Nomads may agree to cover costs (up to a certain limit) for things like emergency medical treatment, damaged or stolen luggage, delayed flights, or non-refundable expenses should you have to unexpectedly cancel your trip. Your cover will depend on your country of residence and what plan you have chosen.

World Nomads travel insurance typically offers benefits such as:

Travel insurance isn't designed to cover everything. Full terms, conditions, limitations and exclusions do apply, so be sure to read your full policy to avoid surprises. If you have any questions, please get in touch.

How does World Nomads provide added benefits?

  • Coverage for many events: from medical emergencies to flight delays, natural disasters, lost bags, and cover for adventure activities, World Nomads travel insurance covers a wide range of potential risks.
  • Flexibility: purchase or extend your travel insurance coverage even after your trip has started.
  • Emergency Medical Assistance: emergency help for a range of medical and non-medical events.
  • Community Support: contribute to local community projects and make a positive impact on the environment and people’s lives through microdonations.
Overhead view of young Asian woman packing a suitcase for a trip at home.
Photo credit: Getty images / d3sign

Did you know travel insurance covers...

You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.

What travel insurance plans do you offer?

At World Nomads, we have made choosing a travel insurance plan less time-consuming and stressful by offering simple and flexible travel insurance plans with different levels of cover depending on your travel needs. 

Standard Plan: includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities. 

Explorer Plan: has all the benefits of a Standard Plan and a few more, but it is more expensive. 

You can buy World Nomads travel insurance cover anytime, anywhere. Plus, if you decide to stay longer somewhere or want to change direction on a whim, we are happy to extend your policy as long as it’s done before 11.59pm on the end date for your home country shown on your Certificate of Insurance. 

Traveler tip: if you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated. The maximum trip duration available on a Single Trip policy, including extensions, is 12 months from the start date.

Check out our Standard vs Explorer article for information on coverage, benefit limits, terms and conditions and exclusions. 

Packing a suitcase
Photo credit: Getty images / Kinga Krzeminska

What's covered and what's not?

The full list of things we cover is too long to include here, but in general our policies offer cover for:

  • Overseas emergency medical and dental expenses
  • Emergency medical evacuation
  • Trip delay, cancellation, or interruption due to an unforeseen event
  • Delayed, damaged or stolen gear or bags if they've been checked in with a carrier
  • Coverage for some COVID-19 medical and travel related events, but please note coverage depends on your Country of Residence and may vary between plans. To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.

Here are the main things that aren't covered:

  • Expenses related to pre-existing medical conditions unless your policy says otherwise
  • Non-emergency medical expenses, such as eyeglasses or contact lenses, routine medical check-ups or cosmetic procedures
  • Items left unsupervised in a public place
  • Gear damaged while in use.

How do I choose the right type of travel insurance for my needs?

Choosing the right travel insurance involves considering your specific needs and comparing different policies. Here are five tips to help you make the best choice:

  1. Assess your needs: Determine what kind of coverage you need based on your destination, country of residence, activities, medical history, and personal circumstances. For example, if you're planning an adventure trip, look for policies that cover sports injuries.
  2. Compare plans: Consider whether our Standard vs Explorer plans cover the types of events that you are looking to be covered; for example, overseas medical emergencies or trip cancellation. Additionally, be sure to pay attention to the limits and exclusions of the policy to ensure that you're comfortable with them.
  3. Single trip vs Annual Multi-Trip: Make sure you choose a policy that covers you for the entire duration of your trip if it’s a single trip, and always be mindful of the end date of your trip. Depending on your country of residence we may offer Annual Multi-Trip (AMT) plans. If you do plan to take multiple trips throughout the year, consider the AMT plan instead of buying several single trip policies. AMT policies have shorter trip duration limits, so ensure your entire trip will be covered by your AMT policy.
  4. Read the fine print: Understand the policy's terms and conditions, including what is and isn’t covered. Pay attention to exclusions and coverage limits.
  5. Look for add-ons: Consider additional coverage options such as high value items, rental vehicle insurance excess, trip interruption, or coverage for specific activities such as Snow Sports. Options available vary by country of residence.

What does my travel insurance cover?

Examples of when travel insurance is needed

Pre-Trip example:

  • Trip Cancellation: You’ve booked a non-refundable trip to Thailand, but a sudden illness forces you to cancel before your trip departure date. Travel insurance can reimburse you for your pre-paid, non-refundable expenses, saving you from financial loss.

On-Trip examples:

  • Medical Emergency: While hiking in the Alps, you sprain your ankle and need medical attention. Travel insurance offers cover for emergency medical expenses and any additional accommodation costs due to the injury.
  • Lost Luggage: Your checked luggage gets lost on your way to Paris. Travel insurance compensates you for the lost items and the cost of purchasing essential replacements. 

This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch

Insure your trip in three easy steps


Travel insurance for independent travelers and their families. Simple, flexible trip insurance for international or domestic travel. Buy and claim online from anywhere in the world.

1

Start your quote

Tell us your travel details including where, when and who is traveling. Make sure to add all destinations and include travel dates from the day you leave, to the day you return.

2

Choose a plan

Select the activities and benefits that you'll need for you, your partner or your family.

3

Finalize your purchase

Once you’ve purchased, we’ll send your policy details to your chosen email, or you can access it via your account.

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What's covered by World Nomads travel insurance

World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials.

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Understand the key parts of World Nomads travel insurance

Bitten by a shark.

I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr, Idrovo. The treatment consisted of cleaning the wound, local anaesthetic and 10 stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow-up check 24 hours later (today) revealed no infection.
Claim paid: £121.85
S.C. British Nomad in the Galapagos Islands.

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
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Travel insurance for expats

Working overseas? Get travel insurance for your holidays.

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With flexible travel insurance that covers more than 150 activities, sports and experiences, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.

Travel insurance for expats

World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.

There are three main reasons expats keep coming back to World Nomads for their travel insurance:

1) Flexible travel insurance

We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long, or as little, as you need.

2) Accessible online travel insurance even after you’ve left home

Our travel insurance is available to most nationalities living or travelling outside of their country of residence. You can purchase online using a credit card as you don’t have to be in your country of residence to purchase it; however there are some conditions to this, so please check the policy before purchasing.

3) All the essentials you need covered, and more

World Nomads designed its travel insurance around what our travellers most often claim for and tell us they want. In addition we cover more than 150 activities and events.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

This isn't health insurance!

Expats must be aware this is travel insurance not health insurance.

This means it will not cover you for ongoing medical care. It also excludes many pre-existing medical conditions as well as any medical treatment that is not considered necessary by our medical specialists. If you’re not sure if you’ll be covered for something, contact us and we can help.

Broken glass shards.

At 12:00 in the afternoon after a yoga class, I took a large jar of coconut water from the fridge, and accidentally dropped it on the counter and slipped onto the broken glass shards. I slipped while holding a jar. I hit my left wrist on the broken glass shards and had cut wound as a result. I looked at it quickly, saw open flesh flapping, wrapped it in a clean towel and called a taxi to go to the hospital as soon as possible. I had pain and numbness in my right wrist. No neck injury, no head injury, no other injuries apparent.
Claim paid: AUD $5381.25
M.E. U.S Resident.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

We cover more than 150 activities you love + more

Here are several activities under each category that World Nomads love to do:

Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.

Snow
Water
Air
Land
Sports
Experiences
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Snow
  • Bobsledding
  • Ice Hockey
  • Ice Skating
  • Kite Wing
  • Skiing
  • Snowboarding
  • Snow kiting
  • Snowmobiling
  • Tobogganing
Water
  • Canoeing
  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkelling
  • Surfing
  • Tubing
  • Windsurfing
Air
  • Aerial Safari
  • Ballooning
  • Bungee Jumping
  • Hang Gliding
  • High Diving
  • Hot Air Ballooning
  • Passenger in a commercial aircraft
  • Skydiving
  • Tandem Skydiving
  • Zip Line
Land
  • Bushwalking
  • Camel Riding
  • Camping
  • Caving
  • Hiking
  • Orienteering
  • Motorbiking
  • Mountain Biking
  • Trekking
Sports
  • Baseball
  • Basketball
  • Cricket
  • Fencing
  • Go Karting
  • Golf
  • Hockey
  • Tennis
  • Ultimate frisbee
  • Volleyball
Experiences
  • Childcare work
  • General farm work
  • Hospitality
  • Restaurant
  • Teaching
  • Fruit Picking
  • Admin work
  • Office work
  • WWOOFing
All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available for residents of all countries, states or provinces.

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
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Single Trip Travel Insurance

You don't need a return ticket to buy travel insurance.

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You’ve got a one way ticket in your back pocket and plans for a great new job, life or adventure… but you’re not covered for the trip to get you there. That’s where World Nomads’ Single Trip Travel Insurance may cover the gap between your old life.

Start your future on a high note

World Nomads offers single trip travel insurance to cover you and your personal items for as long as you need us to, whether it be a few days, a few weeks or even months, before you get to where you’re going. However, you should be aware that policy cover may vary depending on your Country of Residence and the plan you have chosen.

We offer Standard or Explorer options with differing cover. It’s up to you to consider your requirements and match them up with the right cover for your needs.

Single Trip cover

All World Nomads policies cover those events our travelers most often encounter including:

  • Overseas medical
  • Cancellation
  • Hospitalization due to a severe injury or illness
  • A flight is delayed or canceled
  • If your bags and valuables are delayed, stolen or damaged
  • 24/7 Worldwide Emergency Assistance
  • If you need cover for a multi-destination trip
  • If you’re travelling with family and need cover for dependants
  • Cover for some Coronavirus-related events

We cover more than 150 activities, sports and experiences depending on the policy you choose and if it’s not on the list, call us and we’ll let you know if we’ll cover it.

Exclusions

There are of course exclusions which apply. Some of the exclusions which may apply are:

  • Cancellation or other expenses if you change your mind and decide not to go.
  • You do anything illegal (You didn’t really think we’d cover that did you?)
  • Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
  • Certain pre-existing medical conditions

Note: don't forget to read the policy wording when you hit the quote button as all plans are different – don't just assume you are covered in every situation, as terms and conditions, benefit limits, and exclusions may apply.

What you should look out for when considering travel insurance:

  • Make sure you correctly choose the right trip dates, age limit, and level of cover.
  • Ensure all your destinations are covered.
  • Make sure you understand what a pre-existing medical condition is under our policies (coverage varies by country of residence).
  • Some activities and sports may require an extra level of cover or may not be covered.
  • Make sure you clearly understand the benefit limits and the excess as per the level of cover you've selected.
  • Understand that there will be General Exclusions in your cover for which you won't be covered under any circumstances.
  • Make copies of travel documents and keep receipts in case you need to make a claim.

Watch Anton's true claim story

I fell on my side and heard the sound of a dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.

Anton,
World Nomads customer from Iceland

At World Nomads, we strive to deliver not just travel insurance cover, but also some added value through our additional services such as:

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Traveler tip: your exact coverage benefits will depend on your Country of Residence and the plan you select, each with different policy benefits and limits to cover. Make sure you read your World Nomads policy, which explains in more detail the types of situations that are and are not covered.

Kidney Stone in Bali

On Saturday 9 August 2014 I incurred acute pain and vomiting all night long. I went to Siloam Hospitals Bali due to the acute pain and non-eating. I was hospitalised immediately. X-rays and ultrasound found a kidney stone and infection. I was hospitalised for 5-6 days where I was medicated and had tests accordingly. I had a procedure to break up the kidney stone as it would not dislodge. I was released from hospital to convalesce at home
Claim Paid: AUD $5286.96
M.M. Australian in Bali

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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
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Long-term Travel Insurance

For those who aren't going home anytime soon.

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Planning to travel long-term? Don't forget travel insurance to keep up with your adventures. World Nomads has you covered with flexible travel insurance designed by travelers, for travelers.

Why Choose World Nomads for long-term travel insurance?

World Nomads offers travel insurance that’s built for those who aren’t satisfied with the ordinary. Depending on your country of residence, our plans cover trips lasting up to 12 months, allowing you to travel without worry. Here’s why World Nomads stands out:

  • Buy cover while traveling: Forgot to get travel insurance before you left? No problem. With World Nomads, you can buy or extend your cover even after you’ve started your journey (waiting periods apply).
  • 24/7 Emergency Assistance: Wherever you are in the world, our emergency medical assistance team is ready to help you when you need it most, connecting you with medical treatment, transportation, or whatever support you require.
  • Coverage for 150+ adventure activities, sports and experiences: Whether you’re backpacking through Europe, hiking the Andes, or volunteering in Africa, World Nomads covers more than 150 activities so you can push your boundaries without worrying about the ‘what ifs’.

Travel insurance benefits for long term travelers

Our policies come with loads of benefits, depending on the policy you buy. Whether you’re going on a long trip or a short trip, all of our policies provide cover for:

  • Trip cancellation and trip interruption if you get sick or injured at the last minute and need to make a change.
  • Emergency medical treatment, like an urgent visit to the doctor, medicine to help you get well, x-rays and hospital stays.
  • Emergency medical evacuation if you get really sick and need to be transported somewhere with better facilities.
  • Emergency repatriation if you need to be flown home to receive better care, or to bring your body back to your home country if you die overseas (it’s terrible to think about, but it happens).
  • Delayed, lost or stolen baggage.

Who might want to buy travel insurance for a long trip?

Travelers of all ages might be interested in purchasing a long stay travel insurance policy. Here are a few examples:

  • College students going on study abroad who want to travel in between quarters or semesters.
  • Working holiday makers and digital nomads.
  • Backpackers and road-trippers on a long-term holiday.
  • Digital nomads making the most of work and play.
  • New retirees heading out to explore the world with their newfound freedom.
  • Families traveling for the summer holidays.

How long can travel insurance cover me for?

Our policies are designed to be flexible . We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.

Depending on your country of residence, you can buy a World Nomads travel insurance policy for a maximum duration of six or 12 months.

To find out how long we can cover you for, select your country of residence and get a quote. While there, you can also compare our two plans, Standard and Explorer, and download the full policy wording before you buy.

What if I don’t know how long I want to travel for?

If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options to ensure you’re covered while you’re away:

  • Extend your policy: You can extend most of our policies online and from overseas while traveling, as long as you extend it before it expires. Terms and conditions, and limitations apply so check the policy wording details before you purchase to make sure this will suit your needs.
  • Purchase a new policy: If your policy has expired, you can purchase a new travel insurance policy while you’re still traveling. Just note that there may be a waiting period for full cover to apply (you can be covered straight away if you're injured in an accident after you buy a policy). Your policy wording will have full details to understand the cover, terms and conditions, limits and exclusions.
  • Purchase and track your policies with your World Nomads membership: A free membership gives you access to all of our great content and safety advice. And if you buy travel insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log-in before purchasing each new policy.

Tips for long-term travelers

  1. Volunteering or working abroad?
    Ensure you’re covered for the specific activities you’ll be engaging in, whether it’s teaching English, working on a farm, or volunteering at a wildlife sanctuary. World Nomads offers coverage for a wide range of volunteer and work activities, so you can focus on making a difference.
  1. Students on a gap year or exchange
    If you're a student embarking on a gap year or participating in an exchange program, long-term travel insurance is essential. It covers you for medical emergencies, trip cancellations, and even the loss of important documents like your passport.
  1. Stay connected with us
    Keep a copy of your policy details and emergency contact numbers handy. Whether it’s a sudden illness or an unforeseen event, knowing how to quickly get in touch with us can save you time and stress.

Don't let the unexpected derail your long-term adventure. Get a quote from World Nomads today.

What’s not covered by travel insurance?

All travel insurance policies have exclusions and limitations. Here are some of ours - we won't provide cover for:

  • Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect both the local laws and mores of your host countries.
  • Medical evacuation or repatriation for any incidents related to drug and alcohol abuse, or that is not pre-authorized by a physician.
  • Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.).
  • Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
  • Leaving your gear behind, or not keeping an eye on your things and they get stolen.
  • Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for medical emergencies).
  • Some pre-existing conditions, especially those not stable and controlled.
  • Cancelling your trip due to fear of travel or just changing your mind.

This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that may apply. Always read your policy carefully before you buy and make sure it’s right for you and if you have more questions get in touch.

Severed Nerve

I was opening a bag of potatoes with a knife. The knife slipped and cut my finger on my left hand. I attended the local emergency department in Aix-en-Provence at no charge (and was) referred to Clinique Axium the following day. I underwent micro surgery and had two follow up appointments at the Clinique, along with having a specialised splint made to keep my finger in a bent position to enable healing.
Claim paid: NZD $1039.13
T.P. Kiwi in France.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

We cover more than 150 activities you love + more

Here are several activities under each category that World Nomads love to do:

Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.

Snow
Water
Air
Land
Sports
Experiences
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Snow
  • Bobsledding
  • Ice Hockey
  • Ice Skating
  • Kite Wing
  • Skiing
  • Snowboarding
  • Snow kiting
  • Snowmobiling
  • Tobogganing
Water
  • Canoeing
  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkelling
  • Surfing
  • Tubing
  • Windsurfing
Air
  • Aerial Safari
  • Ballooning
  • Bungee Jumping
  • Hang Gliding
  • High Diving
  • Hot Air Ballooning
  • Passenger in a commercial aircraft
  • Skydiving
  • Tandem Skydiving
  • Zip Line
Land
  • Bushwalking
  • Camel Riding
  • Camping
  • Caving
  • Hiking
  • Orienteering
  • Motorbiking
  • Mountain Biking
  • Trekking
Sports
  • Baseball
  • Basketball
  • Cricket
  • Fencing
  • Go Karting
  • Golf
  • Hockey
  • Tennis
  • Ultimate frisbee
  • Volleyball
Experiences
  • Childcare work
  • General farm work
  • Hospitality
  • Restaurant
  • Teaching
  • Fruit Picking
  • Admin work
  • Office work
  • WWOOFing
All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available for residents of all countries, states or provinces.

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
Photo © Lumina/IStock
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Online Travel Insurance

Online instant confirmation for the time poor.

    As featured in:

  • As featured in:

There’s one thing our travelers all say they want more of… more time. More time planning their trip, more time at their destinations and much more time relaxing and enjoying their adventure.

No one tells us they want to spend their precious time sorting out travel insurance, but they know it’s a consideration, whether they be a backpacker, long term traveler or gap student.

Online Travel Insurance

All we need is some basic information on who you are, where you’re going and how long you’ll be gone for, and we’ll generate your instant quote outlining your travel insurance coverage and limitations.

To give you certainty of coverage and confidence in traveling, we’ve made sure all our online travel insurance options include:

We’ve also designed it in an easy-to-understand format, clearly outlining the Standard and Explorer levels of cover, to help you choose the right travel insurance cover for your break.

What and where you’re covered for is very important to our travelers and if you’re already overseas it’s not too late - you can still purchase online now.

World Nomads Travel Insurance at a glance:

When considering travel insurance for your next overseas holiday, you want to know that cover will be available for all those unexpected events that may happen. World Nomads Standard and Explorer plans may offer cover (up to the benefit limits) for the following, when you need it the most:

  • 24/7 Emergency Assistance for a range of events including medical emergencies, multi-lingual assistance, and assistance with flight amendments when your trip has not gone as planned.
  • Overseas medical cover that includes cover for hospitalization, day surgery and out-patient treatment, dental cover, and visits to registered medical practitioners.
  • Cover for delayed, lost or stolen luggage and valuables. Need to cover your tech or sports gear, or travelling with a designer dress? Some plans may allow you to upgrade your cover for high value baggage and personal items.
  • Cover for some of your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
  • Cover for more than 150 adventure activities, sports and experiences. Cover for different types of types of activities such as rock climbing, snowboarding, bungee jumping, and snorkelling.
  • Cover for some Coronavirus-related events. You may be covered for trip cancellation and medical treatment while on your trip, depending on your chosen level of cover and country of residence.
  • Cover when your trip is delayed, interrupted or cancelled and you are stuck at the airport, or your trip is postponed indefinitely.
  • And much more including travel insurance content, Help centre FAQs, some crazy true claims stories, and info on travel insurance for key trending destinations and activities.

Some handy questions to ask yourself before purchasing travel insurance:

  • Will I need a visa for the destinations I am visiting? Can I travel to a specific country or region or not? Make sure you do your research on all countries and regions you are planning to visit.
  • What activities do I have planned? Ensure you have the right level of cover for your planned activities, sports and experiences.
  • How long am I travelling for? When buying World Nomads travel insurance online you’ll need to enter a start date, and end date of travel.
  • Who am I traveling with, and do they need coverage, too?
  • Does my destination have any travel insurance requirements? Some countries require foreign travellers to purchase a travel insurance policy that at least covers the medical costs associated with treating COVID-19 and other diseases.
  • Do I need any travel insurance add-ons, for example, for high value tech items and sports gear?

At World Nomads, we strive to deliver not just travel insurance cover, but also some added value through our additional services such as:

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

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

Did you know?

  • You can create a membership
  • Access your policy details wherever you have internet connection
  • Join a community of travelers
  • Sign up to travel advice

Traveler tip: your exact coverage benefits will depend on your Country of Residence and the plan you select, each with different policy benefits and limits to cover. Make sure you read your World Nomads policy, which explains in more detail the types of situations that are and are not covered.

Severed Nerve

While in a restaurant in Saigon, Vietnam I cut my hand on a broken glass door. I was bleeding quite a bit so we went to the hospital that night. The doctor confirmed that I cut a tendon in my hand (thumb) and will need surgery. The following day I went to the hospital and received a tendon repair surgery at HCMC Family Medical Practice.
Claim paid: USD $2376.75
B.Q.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

We cover more than 150 activities you love + more

Here are several activities under each category that World Nomads love to do:

Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.

Snow
Water
Air
Land
Sports
Experiences
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Snow
  • Bobsledding
  • Ice Hockey
  • Ice Skating
  • Kite Wing
  • Skiing
  • Snowboarding
  • Snow kiting
  • Snowmobiling
  • Tobogganing
Water
  • Canoeing
  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkelling
  • Surfing
  • Tubing
  • Windsurfing
Air
  • Aerial Safari
  • Ballooning
  • Bungee Jumping
  • Hang Gliding
  • High Diving
  • Hot Air Ballooning
  • Passenger in a commercial aircraft
  • Skydiving
  • Tandem Skydiving
  • Zip Line
Land
  • Bushwalking
  • Camel Riding
  • Camping
  • Caving
  • Hiking
  • Orienteering
  • Motorbiking
  • Mountain Biking
  • Trekking
Sports
  • Baseball
  • Basketball
  • Cricket
  • Fencing
  • Go Karting
  • Golf
  • Hockey
  • Tennis
  • Ultimate frisbee
  • Volleyball
Experiences
  • Childcare work
  • General farm work
  • Hospitality
  • Restaurant
  • Teaching
  • Fruit Picking
  • Admin work
  • Office work
  • WWOOFing
All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available for residents of all countries, states or provinces.

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
Photo © Jovo Jovanovic/Stocksy
  1. World Nomads
  2. Category
  3. Type
  4. Insurance

Travel Insurance for Overseas Accidents

What's covered by travel insurance when your adventure turns into misadventure.

    As featured in:

  • As featured in:

Whether you’re exploring on the map or hurtling off it, serious accidents can happen anywhere, anytime.

If you have a serious accident while on holiday, you will want to consider travel insurance. An unexpected accident, for example, a car accident resulting in broken bones, a serious illness that lands you in hospital, or an injury caused while hiking or doing any type of sports, could really add to the pain you may already be feeling.

Injuries resulting from an accident can be extremely costly due to ongoing medical expenses, particularly when it involves medical evacuation costs. Thinking about the benefits of travel insurance when traveling abroad could mean you can be covered appropriately, and you may save thousands of dollars.

What’s covered by World Nomads travel insurance if I have an accident overseas?

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Medical evacuation including air ambulance

Make sure you’ve read your policy wording as there are there are terms and conditions, limitations, and exclusions. Always do your research on where you’re going and what you plan to do when overseas as this will help you pick the right policy.

Note: while you may have access to health insurance for any accidents in your Country of Residence, this may not be the case when you are overseas. Please be aware that this is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.

How do I get travel insurance?

With World Nomads you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.

What’s not covered?

  • If you’re doing an activity the policy doesn’t cover.
  • A pre-existing medical condition, even if the condition recurs as a result of or is aggravated by an accident.
  • Any injury which is caused by or exacerbated by a pre-existing medical condition.
  • Any consequences of medical treatment not necessitated by an accident covered by this policy.
  • If you’ve been acting recklessly and taking needless risks.
  • If you ride a motorbike without a helmet or the correct license.

Cover for sports & activities and your sports gear

While we offer cover for over 100 sports, activities and experiences, we won’t cover you if you try to make a claim resulting from a sport or activity that isn’t covered by your policy. This can apply to cover for sports-related injuries, as well as equipment loss/damage and any personal financial losses. Make sure that each sport or activity you will be engaging in is covered by your insurance policy; if it’s not, consider upgrading your policy to ensure you are appropriately covered.

Getting urgent help while on holiday

A large number of travelers may experience some kind of trouble when holidaying overseas each year. That’s why our 24/7 Emergency Assistance team can help out when you need it the most. Our teams can guide you to the nearest hospital, set up direct payments to the medical facility, arrange medical transport, and provide support to your family back home.

Making a claim

Here are some tips that will help with your a claim:

  • Keep all travel insurance documents with you at all times while traveling. If you don’t want to carry the originals, you should make copies and take with you wherever you go.
  • Make sure you have the Emergency Assistance team’s contact details on you, so you can access them if something happens.
  • Get in touch with us before you agree to pay for any medical costs, tests, or treatments to make sure it will be covered.
  • Keep all receipts, reports and doctor’s notes with you until you return to your home country. Having these on you will be essential if you’re planning to make a claim.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.

Travel insurance tip: if you’re involved in an accident and are hospitalized or suffer an injury, you must report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) as soon as possible and provide a copy of the written evidence to verify your claim. For example, you will need a police or roadside assistance report if you are delayed after a vehicle breakdown or a road accident.

Moped Accident in Koh Tao.

I was injured in a moped accident, in Koh Tao, Thailand. The moped turned over onto my foot and I had sprained/injured ligaments and tendons in my left foot. I was unable to walk on my foot at all. The doctor gave me a bandage in lieu of a cast, and crutches, stating that I could not bear any weight on my foot for a minimum of three weeks. I was also told to rest my foot, and could not do so while traveling. I needed to come back to the US for help getting around as well as time to heal.
C.H. American in Thailand.
Claim Paid: $620.22

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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

FAQ

Here are our most frequently asked questions about overseas travel accidents. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. 

Photo © Getty Images / lechatnoir
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  4. Insurance

Travel Insurance for Assault

Get the medical treatment you need after being attacked.

    As featured in:

  • As featured in:

Physical and sexual assault aren't something you ever want to think about for your trip, but the unfortunate truth is that these attacks happen way too often to travelers. That's why we're here to help you. While some destinations have higher incidents than others, no destination is immune.

To add complexity to already horrific circumstances, the laws and customs of some countries can see innocent victims imprisoned, so knowing what to do following an attack can be difficult.

Does World Nomads travel insurance cover assault?

If you’ve been assaulted overseas, all of World Nomads travel insurance policies have the following benefits which can help patch you up and get you on the road to recovery:

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary

Depending on the policy you buy and your Country of Residence, you may also be covered for counselling following an assault - the policy wording will have full details.

If you’re injured, hospitalised or suffer psychological trauma as a result of an assault, you, a member of your traveling party, or a friend or a close relative must contact our 24/7 Emergency Assistance Team as soon as reasonably possible to confirm cover, manage costs and any potential claim.

Our Emergency Assistance Teams have experience understanding and liasing with medical providers on the ground, so that you can get the care you need, when you need it.

What's not covered by travel insurance?

Travel insurance is designed for when things unexpectedly happen to you. If you pick a fight and end up coming out worse for wear, we're going to take that into account and may decide you won't be covered because you've put yourself at risk. All policies have limitations, conditions and exclusions, which are explained fully in the policy wording.

FAQ’s

Am I covered for counselling and psychologists after an assault?

If during your trip you are assaulted and suffer injury or psychological trauma, we’ll pay your expenses to visit a psychiatrist or registered counsellor overseas, up to the amount shown in the Summary of Cover.

Please note: coverage depends on your Country of Residence and on the level of cover, Standard vs Explorer, you have selected. For example, US residents are not covered for counselling under World Nomads policies.

Do I need to report the assault to the police?

If you’re a victim of an assault (e.g., a mugging or hijack) and suffer a severe injury or psychological trauma, we may cover you if the medical practitioner overseas and our Emergency Assistance team agree that it's medically necessary to repatriate you home.

Do you offer repatriation cover to go home after an assault?

If you’re a victim of an assault (e.g., a mugging, kidnap or hijack) and suffer a severe injury or psychological trauma, we may cover you if the medical practitioner overseas and our Emergency Assistance team agree that its medically necessary to repatriate you home. Cover will be up to the cost of an economy class airfare and related traveling expenses, as approved by us.

Please note: coverage depends on your Country of Residence and on the level of cover, Standard vs Explorer, you have selected.

Will I be covered for sexual assault?

You will be covered for any sexually transmitted diseases or sexually transmitted infections; however, this will ONLY be covered when contracted through an assault.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

What do I do if I’m assaulted overseas?

It’s essential that you contact our Emergency Assistance team as soon as possible so that they can assess the situation and then triage accordingly.

So that our Emergency Assistance Team can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number
  • The nature of your problem
  • Your location

Assault while jogging.

During my holiday in Sydney , Australia, I was physically assaulted by a man while jogging. The attacker approached me and severely punched me in a face. I fell on the ground and almost lost consciousness with blood coming out of my right eye and nose. I was laying on cement pathway crying and screaming for help. Shortly after, I was seen by group of teenagers walking nearby and they ran to help me. Those people called an ambulance and police. I was taken to hospital and had x-rays and other medical treatments provided. My right eye orbit was broken and I was advised by doctors to have a risky and complicated surgery on low eye orbit to prevent possible vision loss and other complications.
Y.S.
Kazakhstani traveler in Australia.

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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

FAQ

Here are our most frequently asked questions about assault insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.

  • What happens if I'm injured and need life support?
    That’s a really bad way to end your holiday, and we hope you never end on life support. But if you do, we will look at the best possible solution to either get you home, or get your family over there to say goodbye.
  • Can my mum come and get me?
    Where there's cover, we can send your mum over to pick you up if you need mobility support. If you’re on any kind of administrative medication, then we might send you a nurse or doctor.
Photo © Mixetto/IStock
  1. World Nomads
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  4. Insurance

Travel Insurance for Stolen or Lost Passports

How travel insurance could help if your passport is stolen while traveling.

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Having your passport stolen can cause significant interruptions to your trip. While you can easily replace a stolen pair of shoes or a t-shirt, it is much more complicated to replace a passport.

Some of our travel insurance policies can come in handy with your emergency passport expenses, and others can help with related expenses such as rearranging your trip while you wait for your replacement or cancellation if your trip can't go ahead.

What cover does World Nomads travel insurance offer if my passport is stolen?

Your country of residencePre-trip CancellationEmergency Passport while traveling Extra costs while you're delayed24 hour emergency assistance
Australia
Brazil
Canada
Ireland
New Zealand
United Kingdom
USA
All other countries

Important: Depending on the policy you buy and your Country of Residence, there are terms and conditions, limitations, and exclusions that will apply. Your policy wording will always have the full details of what you’re covered for. If you have questions about what's covered and not covered, just ask us.

What to do if your passport is stolen while traveling

Here are the steps to follow if your passport is stolen while traveling:

Step 1:

If your passport is stolen, you must, as soon as possible, notify your government’s nearest passport office or report the loss to the nearest diplomatic or consular mission. You must provide us with copies of all documentation provided by the government agency.

Step 2:

Report the passport theft or loss to the police as well as to the common carrier, service provider or other local authority (e.g. tour operator/accommodation/travel provider manager or security personnel) as soon as reasonably possible after discovery. If you do not comply with this condition, it may impact your ability to make a claim under this policy.

Step 3:

Provide a copy of the full, written police report of what has happened with your claim. If in exceptional circumstances you cannot notify the local police or other appropriate authority (i.e. due to imminent departure), you must notify the 24/7 Emergency Assistance Team or us as soon as reasonably possible.

What’s not covered by World Nomads travel insurance?

  • If you leave your passport behind
  • If you don’t take proper precautions to protect your passport
  • If you don’t obtain a written police report if it's stolen
  • If customs or another government body confiscates your passport
  • A new passport - cover is to get you an emergency passport, not the full replacement cost

The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

Get a quote 24/7

With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.

How to get assistance if your passport is stolen.

It’s essential that you get in contact with the 24/7 Emergency Assistance team as soon as possible so that our teams can help you navigate local laws and advise you on how to get your replacement passport.

So that our 24/7 Emergency Assistance teams 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

Passport stolen during dinner with friends.

My handbag was stolen when I was having dinner with friends. In my bag was my passport, and as I had to apply for an emergency passport, and then another visa, in order to leave China. I had to cancel the flight I had booked.
L.E. Aussie in China.
Claim Paid: $1112.22

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)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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

FAQ

Here are our most frequently asked questions about lost or stolen passports. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.