Your travel insurance policy can cover your overseas emergency medical expenses if you suffer a serious illness or injury while on your trip, and you need urgent medical treatment.
Our policies can cover your reasonable emergency overseas medical expenses (up to the policy limits and when agreed by us, for up to 12 months from the date the illness first appears or injury happens) for:
Note: this is a guide only, as every claim is assessed on its individual circumstances. If you have any questions, please contact us.
We offer two plans – Standard and Explorer – each of which offers different levels of coverage for overseas medical expenses, depending on your Country of Residence. It is up to you to choose what plan has the right level of coverage to meet your travel needs.
With World Nomads you can get an instant quote anytime, anywhere, before you leave home or while you’re on the road.
World Nomads can offer benefits for medical issues related to Coronavirus (COVID-19). If you are diagnosed with COVID-19 while overseas and it's not considered an existing medical condition under our policy, and there is not an active ‘Do Not Travel’ warning in place for COVID-19 in the location you are currently visiting your benefits may include:
If something happens, go to the closest medical facility for the emergency medical treatment you need. 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 you:
That depends on what’s happened and the seriousness of your medical situation.
We recommend you pay and make a claim later when:
Where possible, we will pay the hospital or provider direct when:
If you pay for any medical expenses, you’ll need to keep copies of all your medical records, bills, clinical reports/doctor’s notes, receipts, etc. to support your claim.
Also remember there's a policy excess applicable to any claim for overseas medical expenses (per event).
Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose, and any options or upgrades you buy.
If you’re not sure about something, you can always contact us.
Travel insurance isn’t designed to cover everything, so make sure you read the Policy Wording for what is and isn’t covered. That way there are no surprises if you need to use it.
Some of the main things that aren’t covered include:
Travel insurance doesn’t cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states, or provinces. Please carefully read your policy wording for a full description of coverage. If you have any questions, please contact us.
We’re here to help if you have a question about travel insurance. We’re available:
For policies purchase on or after 2 December 2018:
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For policies purchased before 2 December 2018:
Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.