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Travel Insurance for Overseas Accidents

What's covered by travel insurance when your adventure turns into misadventure.

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Knowing your cover for accidents overseas 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 your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and their claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. 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, Irish residents may be covered for emergency medical treatment overseas including:

  • Hospitalisation.
  • Day surgery and out-patient treatment.
  • Visits to registered medical practitioners.
  • 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, and 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 Emergency Medical Assistance Teams 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 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

Moped Accident in Koh Tao.

I was injured in a moped accident, in Koh Tao, Thailand. The moped turned over onto my foot and I had sprained/injured ligaments and tendons in my left foot. I was unable to walk on my foot at all. The doctor gave me a bandage in lieu of a cast, and crutches, stating that I could not bear any weight on my foot for a minimum of three weeks. I was also told to rest my foot, and could not do so while traveling. I needed to come back to the US for help getting around as well as time to heal.
C.H. American in Thailand.
Claim Paid: $620.22

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest suitable medical facility is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Disruption
  • 24-Hour Medical Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. 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 Medical Assistance

Whether you need medical assistance or emergency medical 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 Medical Assistance right now?

For policies purchased on or after 27 June 2024:
Phone: +353 4 69 017 022

For policies purchased before 27 June 2024:
+353 (0) 90 640 6460

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travellers, for travellers. See why over 3 million travelers have chosen World Nomads for over 20 years.

FAQ

Here are our most frequently asked questions about emergency medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.