What’s Zika Virus

According to the Centres for Disease Control and Prevention (CDC), "Because Zika infection during pregnancy can cause severe birth defects; pregnant women should not travel to area with risk of Zika. Zika virus can be spread to unborn children and has been linked to a serious birth defect of the brain called microcephaly. Partners of pregnant women and couples considering pregnancy should know the risks to pregnancy and take prevention steps. All travelers should strictly follow steps to prevent mosquito bites and prevent sexual transmission during and after the trip.

Where is the world is Zika virus?

Specific areas with ongoing Zika virus transmission is ongoing are often difficult to determine and are likely to change over time. If traveling, please visit the CDC Travelers' Health site for the most updated travel information. For more information, you can also visit our safety story on Zika, which contains useful advice for travelling to any country where Zika virus may be present.

How might Zika impact cover?

There is no cover for epidemics which have been placed under the direction of the public authorities.  
World Nomads plans class pregnancy as a pre-existing medical condition (as defined in the policy). This is a general exclusion, which means the policy doesn’t include cover for any pregnancy-related claim.

The exception is cover for pregnancy complications that arise because of an accidental bodily injury or unexpected illness, excluding the period between 12 weeks before or 12 weeks after the expected due date.
There’s also no cover if you contract an illness or suffer an injury prior to buying the policy or policy extension (or during any waiting period).

If, prior to your departure from your country of residence and after you bought your policy and paid for your trip, you are unexpectedly hospitalised as a result of an acute serious illness or acute serious injury and/or you are declared medically unfit to travel, there is cover for your non-refundable cancellation expenses.

If you’re travelling and are hospitalised from a sudden and acute illness or injury, there is cover for overseas medical expenses, medical evacuation (where pre-authorised) and trip interruption expenses.
Cover is also not provided if you travel against the advice of a medical practitioner or for normal costs associated with pregnancy for example: routine pre-natal care, fertility treatments, elective abortions or delivery/caesareans during your trip.

Some travellers may prefer to cancel their trip out of concern for the Zika Virus. World Nomads plans do not provide coverage to cancel for other reasons, including a fear of contracting Zika Virus.

Emergency Assistance
If you have a medical emergency, please contact World Nomads 24/7 Emergency Assistance as soon as possible.

  • From overseas (travelers from EEA countries): +353 21 237 8008 or +353 21 237 8003
  • Email: [email protected]

Ask the local operator to connect you on a reverse charge basis or claim your call costs later.
You’ll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.
Please have your policy number and a local phone number handy when you call.
This is only a summary of cover and does not include the full terms and conditions 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 contact us.


For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE.

For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.


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