Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.

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Most World Nomads policies don't cover pre-existing conditions. So if you're worried about how your pre-existing condition can affect your trip, make sure you read the policy when you get a quote so there are no surprises.

Pre-existing conditions and World Nomads Travel Insurance.

The World Nomads policies for Australian or New Zealand residents cover 23 pre-existing conditions which are specifically mentioned in the policy.  For travelers whose conditions aren't listed and for travelers form all other countries of residence, there is no cover.

The good news for Australian or New Zealand residents is that if the condition falls into one of those 23 conditions, not only are you covered in some circumstances if you have pre-existing conditions, but you’re also covered in relation to pre-existing conditions of people you’re travelling with and your close relatives who are not listed on your policy. This includes cover for:

  • Pre-trip cancellation expenses
  • Doctor’s visits overseas
  • Hospitalisation overseas
  • Medication overseas
  • Costs to get you home by air if medically necessary.

Most policies exclude cover for pre-existing medical conditions, so make sure you read through your policy when you go to get a quote.

What's not covered by World Nomads Travel Insurance?

Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:

  • Pre-existing conditions unless specifically mentioned in the policy
  • Any medical expenses once you return home
  • Any medical condition you had in previous periods of insurance
  • The sickness you caught overseas, right before you remembered to buy a policy

This isn't a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information check out our article on pre-existing medical conditions and read your policy carefully before you buy.

If your pre-existing condition isn't covered and you're not worried about covering it, you can still purchase a policy online through World Nomads. Just be aware there's no cover for any claim made as a result of this condition.

New Diagnosis in Mexico.

I realized I had forgotten a medication (clonazepam) which I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.
Claim paid: USD $39.41
J Davis. US Nomad in Mexico.

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: €7,000
  • Standard Plan: €3,500
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: €3,500,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital pronto.

  • Explorer Plan: €350,000
  • Standard Plan: €350,000
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.

  • Explorer Plan: €2,500
  • Standard Plan: €1,700
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all European residents except Swiss. 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?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars

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