Travel Insurance for Overseas Accidents
What's covered by travel insurance when your adventure turns into misadventure.
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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.
Knowing your cover for accidents overseas and abroad is a critical part of planning for any adventure. Whether you’re exploring on the grid or hurtling off it, serious accidents can happen anywhere, anytime.
Does World Nomads travel insurance cover medical expenses overseas?
Yes. You’ll first need to contact our 24/7 Emergency Medical Assistance Team where you are aware you will be admitted as an inpatient for at least one night. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.
What’s covered by World Nomads travel insurance if I have an accident overseas?
If you’re injured in an accident, you may be covered for emergency medical treatment abroad, including:
- Hospitalisation.
- Day surgery and out-patient treatment.
- Visits to registered medical practitioners.
- Prescribed medicines.
- Medical evacuation including air ambulance, where medically required.
Our 24-hour Emergency Medical Assistance Team can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family.
What’s not covered?
- If you’re intoxicated due to excessive intake of drugs or alcohol.
- If you’re doing an activity the policy doesn’t cover.
- If you’ve been acting recklessly or illegally.
- If you ride a motorbike without a helmet or the correct licence.
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.
Emergency Assistance for travel accidents
It's essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as possible so that our teams can support you from the time you get injured until the time you get home.
So that our Emergency Medical 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
Pubic Accident!
I cut myself on my prepuce unintentionally while I was shaving my pubic hair with a razor early in the morning. The cut hurt a little, but it quickly infected while I was in between places, traveling. I had to quickly go to the nearest hospital because it started to hurt considerably and I noticed it was swelling up quickly and getting red.
Claim Paid: €128.50
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 unfit to travel?
- Close relative suddenly dies?
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 meds quick?
- 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 travel accidents 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 pay for my accident upfront or do I have to pay and claim?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course). You must contact the Emergency Medical Assistance team as these costs must be pre authorised by the insurer.
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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 publish 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.
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Will I get an upgrade if I am sent home?
The team will organise for you to go home in a way that's medically necessary. If it's not medically necessary, you won't be getting an upgrade.