Am I covered for countries other than the ones I list on my policy?

For information relating to policies purchased prior to 05 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 05 May 2022 please see below.

The quickest and easiest way to make sure you’re covered for the countries you’re planning on travelling to, is to select them all when you purchase your travel insurance with us. 

If we don’t provide cover to the country you’ve selected we may let you know right away before you purchase your travel insurance.  But if you’ve already started travelling, are contemplating a side trip to a country other than those you specified and need to know if you’re covered, there’s a few things you need to know.

You 're covered for all the countries in the highest region you choose and all the countries in the lower priced regions too.

After you select all the countries you'll be travelling to when you get a quote and buy your policy, they'll be listed on your Certificate of Insurance as well as a region number.

So don't panic if a country you want to travel to isn't listed on your policy certificate! If this country is in the region listed on your policy certificate or if it's in a lower region, you'll be covered need to do anything!

What are the regions then?

Region 1 Worldwide is the highest and Region 12 is the lowest.

REGIONS OF COVER                             Covers these countries and regions (excluding New Zealand)
1.Worldwide                                   Worldwide and regions 2-12
2.Antarctica, Arctic Circle, Greenland   Antarctica, Arctic Circle & Greenland and regions 3-12
3.USA and Canada   USA and Canada and regions 4-12
4.Central & South America   Central and South America and regions 5-12
5.Europe   Europe and regions 6-12
6.Africa   Africa and regions 7-12
7.Middle East   Middle East and regions 8-12
8.UK and Ireland   UK and Ireland and regions 9-12
9.Asia   Asia and regions 10-12
10.Bali & Indonesia   Bali and Indonesia and regions 11-12
11.Australia    Australia and region 12
12.Pacific Islands   Pacific Islands (including New Zealand offshore islands and territories

For example, if you're:

  • travelling to Thailand and the UK, once you list these countries the region you'll be covered for during your whole trip will be Region 8 (UK and Ireland). This means your policy will cover you in the UK, Ireland as well as automatically covering the lower regions 9-12 (meaning Thailand, Asia, Bali, Indonesia, Australia and Pacific Islands)
  • travelling to the USA, Canada and South America, you'll be covered under Region 3 and therefore you'll also be covered for all the countries in regions 4-12.

BUT (there's always a but) if you do happen to change your mind or your travel plans, we cannot refund your premium after the cooling off period and after you have travelled and we can't upgrade you to a higher region. Instead, you can buy a separate policy to cover you in a higher region.

What if I’ve already started travelling and want to make a side trip to a country I didn’t list?

While World Nomads provides travel insurance coverage for travel to more than 130 countries worldwide, there’s still many we can’t or won’t provide cover for.

We exclude cover for travel to sanctioned countries or those with a Do Not Travel advisory against them by the New Zealand Government or other official authority and you choose to go there anyway. That means if you select a region when purchasing your policy, you’re only covered for those countries in that region we provide cover to… and it can be tricky knowing which countries those are.

The best thing to do if your plans change is to contact us to check if you’re covered under your current policy. You may still be covered to travel to that missing country, as long as it’s in the same, or a lower, region of cover on your policy.

Can I upgrade and add regions or countries once I’ve started travelling?

It’s not possible to upgrade or add another higher priced country or region to your policy after you buy it. If you’re still within the 21 day cooling-off period and you haven’t already left New Zealand you can cancel for a full refund and re-purchase your policy.

If you’ve already left New Zealand or are outside of the cooling off period, contact us.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

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. We’re available:

  • Monday to Friday 11:00am - 8:00pm (NZST/NZDT)
  • Saturday to Sunday closed (NZST/NZDT)

Contact us


Within New Zealand:
0800 666 237

From anywhere in the world:
+61 2 8256 1542

Within Australia:
1300 787 375