Travel Insurance for Overseas Medical
Don't let your medical costs bury you.
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For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.
In order to help our travellers get back on their feet, our policy has been designed to help out when some unexpected illness or injury strikes, to get back on the road again.
What’s covered by overseas medical travel insurance?
World Nomads travel insurance covers accidents and emergencies when you’re travelling abroad.
If you’re accidentally injured or suddenly become ill while traveling, our 24/7 Emergency Medical Assistance Team is on hand to help you. Cover may include:
- Assistance locating and paying for medical care abroad.
- Hospitalisation.
- Out-patient care and day surgery.
- Ambulances and medical transport, including by helicopter if medically necessary and available.
- Transport back to your country of residence if we deem it medically necessary.
Am I covered for COVID-19 while overseas?
Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording). If you are diagnosed with COVID-19 while abroad your benefits may include:
- 24/7 access to our Emergency Medical Assistance Team, who can help you access local medical care;
- Medical costs including hospitalisation;
- Evacuation or repatriation if deemed necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.
Reciprocal health agreements and medical cover
World Nomads policies cover accidents and emergencies only, and it is not a private health insurance/private medical insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no available reciprocal health agreement in the country in which you are travelling.
If you are travelling to a country where there is a reciprocal healthcare agreement in place with your country of residence, such as Australia, you will need to apply for reciprocal health cover before you leave home, including obtaining a European Health Insurance Card (EHIC).
What’s not covered by travel insurance?
Though our policy may cover accidents and emergencies, it’s not a catch-all for every scrape you might find yourself in. Medical conditions or circumstances we don’t cover include:
- If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
- Injuries or illness from drugs or alcohol abuse.
- If you’ve been acting recklessly.
- Pre-existing medical conditions as explained in the policy wording.
- Ongoing medical treatment at home.
- Non-emergency treatment that can wait until you get home.
- Cosmetic treatments.
- If there is a reciprocal health agreement between your country of residence and the country in which you are travelling.
- If you booked a one-way ticket to your destination, we will not pay for your return ticket home.
How to get medical assistance
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as you are aware that you will be admitted as an inpatient for at least one night so that the team can support you from the time you fall sick or get injured until the time you're well again.
So that they 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
The policy isn’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 there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Dengue.
I woke with a bad fever and headache. I tried to self-medicate however the fever did not subside. I went to the hospital to get checked out. It was confirmed that I tested positive for Dengue Fever and was later admitted for a period due to extremely low counts in my blood.
South African Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy deceased?
- Close relative dropped dead?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
For policies purchased before 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |
FAQ
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?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer can cover these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered?
We don't publish a list of doctors or dentists. If you need help finding one, call our assistance team, 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.