Travel Insurance: Overseas Medical Treatment & Hospitalisation

Your policy may help if something happens to you while on your adventures abroad and you need urgent medical treatment.

As we’ve recently changed our insurer, please select the date you bought your policy:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018

What medical expenses does World Nomads cover?

If you become ill or if you're involved in a sudden and unexpected accident that requires emergency medical treatment overseas during your trip, your policy may cover emergency medical expenses for:

  • Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient)

  • Out-patient treatment (no hospital admission)

  • Emergency dental treatment to relieve immediate pain

  • Outpatient physiotherapy when prescribed by a doctor

  • Specialist counselling services if you’re assaulted during your trip and are injured or suffer psychological trauma

  • Emergency medical transport and repatriation home if medically necessary and authorised by the emergency medical assistance service; this may include reasonable and necessary additional accommodation (room only) and travelling expenses home (Economy class), including those of one relative or friend when you have to be accompanied home on the advice of the attending medical practitioner or if you are a child and require an escort.

What do you do if something happens to you?

Call our 24/7 Emergency Assistance team immediately for advice on what to do as well as directions to the nearest or most suitable medical facility if needed.

Who pays for your medical treatment?

Who pays for your overseas emergency medical expenses depends on what’s happened and where you are when receiving treatment.
For out-patient treatment, you’ll need to pay the medical bills yourself and then make a claim online later or when you return home. Be sure to keep all your receipts and doctors reports to support your claim. If these costs are likely to exceed the figure stated in your policy wording you must refer to our 24/7 Emergency Assistance team for authorisation.
If you’re admitted to hospital, you (or someone else) must notify our 24/7 Emergency Assistance team service as soon as possible. Your medical expenses can be paid directly to the hospital, where possible, once cover is confirmed.
Also be aware that any medical claim submitted will have the policy excess applied.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for the full details. If you are unsure of cover, please contact us for help.
Here are some of the main things that aren’t covered:

  • Any expenses relating to a pre-existing medical condition as explained in the policy wording.

  • Any medical expenses incurred once you return home to your country of residence (as specified on your certificate of insurance), as your policy doesn’t cover medical expenses in your home country.

  • Expenses not confirmed as medically necessary by your treating doctor or the emergency medical assistance service.

  • Please note conditions apply if purchasing while already travelling. Please see the policy wording for the full terms, conditions, limitations and exclusions.

  • Anything else that’s listed in the general and specific exclusions in the policy wording.

Note: For policies purchased between 1 November 2018 and 16 January 2019, your World Nomads policy is backed by certain underwriters at Lloyd’s.
For policies purchased between 17 Jan 2019 and 31 July 2019, your World Nomads policy is backed by Lloyd’s Insurance Company SA.

For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream:

What Medical Expenses do World Nomads Cover?

If you become ill or if you're involved in a sudden and unexpected accident  that requires emergency medical treatment during your trip, your policy can cover emergency medical expenses for:

  • emergency medical and surgical treatment and hospital charges (admission as an in-patient)
  • out-patient treatment (no hospital admission)
  • emergency dental treatment, to relieve pain only up to the limit shown on your policy
  • physiotherapy(when authorised by the emergency medical assistance service and limited when treated as an out-patient).
  • reasonable and necessary additional accommodation (room only) and travelling expenses home (economy class), including those of one relative or friend if you have to be accompanied home on the advice of the attending medical practitioner or if you are a child and require an escort.
  • specialist counselling services ( For UK policy holders only -Explorer Plan only) if you’re assaulted during your trip and are seriously injured or suffer psychological trauma.
  • emergency medical evacuation and repatriation home if medically necessary and authorised by the emergency medical assistance service.
     

What do you do if something happens to you?

Call our Emergency Medical Assistance Service immediately for advice on what to do as well as directions to the nearest or most suitable medical facility if needed.

Go to the closest medical facility for the emergency medical treatment you need.

Who pays for your medical treatment?

Who pays for your overseas emergency medical expenses depends on what’s happened and where you are when receiving treatment.

If you receive out-patient treatment (no hospital admission) in Spain, Greece, Cyprus, Portugal or Turkey, show your policy to the doctor and your treatment will be paid through ChargeCare International. The doctor will ask you to fill in a form to confirm treatment and may request you to pay the excess.

For out-patient treatment in other countries you’ll need to pay the bills yourself then make a claim online later or when you return home. Be sure to keep all your receipts and doctors reports to support your claim.

If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed £500 (for UK residents)/ €625 (for Irish residents) you MUST refer to the Emergency Medical Assistance service for authorisation.

If you’re admitted to hospital, you (or someone else) MUST notify the emergency medical assistance service as soon as possible. Your medical expenses will be paid directly to the hospital once cover is confirmed.

Also be aware that any medical claim submitted will have the policy excess applied. There is a £100 (for UK residents)/ €125 (for Irish residents) excess applicable per person, per event.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for the full details. If you are unsure of cover, please contact us for help.

Here are the main things that aren’t covered:

  • Any expenses relating to a pre-existing medical condition as explained in the policy wording
  • any on-going medical expenses once you return home as your policy doesn’t cover you in your home country.
  • claims not confirmed as medically necessary by your treating doctor or the emergency medical assistance service.
  • Please note conditions apply if purchasing while already travelling. Please see the policy wording for the full terms and conditions
  • Anything else that’s listed in the General Exclusions and specific exclusions in the policy wording.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


Related Articles

View more

Can't find the answer you are looking for?

Contact us

Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


1800 903 008


+353 21 237 8001

_________________


For policies purchased before 1 November 2018:


+44 (0) 330 660 0738


0330 660 0738


+44 (0) 330 660 0738