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Travel Insurance for Overseas Medical Expenses

Don't let your medical costs bury you.

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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, 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 14 July 2021 please see below.

Food poisoning definitely isn’t on the menu for most of our travelers… but then again neither is Coronavirus (COVID-19), scooter accidents, brain aneurysms or shark bites.

We’ve seen all of these and more in our claims department at World Nomads and that’s why we think you’d have to be mad to travel anywhere overseas without Medical Travel Insurance.

What’s covered?

If you’re accidentally injured or suddenly get ill while traveling, our 24/7 Emergency Assistance team is on hand to help you. Our coverage includes:

  • Costs of medical facilities and doctors
  • Hospitalization
  • Out-patient care and day surgery
  • Ambulances
  • Prescribed medicines
  • Evacuation and repatriation if pre-approved by us
  • Prescribed physiotherapy treatments in hospital where considered medically necessary.

We can also arrange for interpreters to help negotiate the local language, customs and administration involved in accessing medical facilities overseas such as paying your bills, getting medical transport and finding the right medical facility to treat your injury/illness.

Am I covered for any medical issues related to COVID-19?

As COVID-19 travel restrictions across the world continually change day by day, we understand that travelers want to start to plan for their future travel, and we’re here to support them in doing so. So we’ve added some coverage for COVID-19-related events on both our Standard and Explorer Plans; benefits and limits vary.

If you are diagnosed with COVID-19 while overseas, your benefits may include:

  • 24/7 access to our Emergency Assistance team, who can help you access local medical care.
  • Medical costs including hospitalization.
  • Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.

If you have purchased the Explorer Plan, you may have some coverage for trip cancellation events which are outside of your control and caused by:

  • You or a member of your traveling party being diagnosed with COVID-19.
  • Your close relative back home being hospitalized or dying due to COVID-19.
  • You or a member of your travelling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

 Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.  

What’s not covered?

  • Injuries/illnesses as a result of drugs or alcohol intoxication.
  • If you do anything illegal.
  • Any sexually transmitted diseases or sexually transmitted infections (except where contracted through an assault).
  • Where you've been acting recklessly.
  • Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
  • Pre-existing medical conditions.
  • Ongoing treatment at home.

If you’re injured or have an illness that we believe is best treated at home, we may make the decision to repatriate you even if you don’t want to go. You must be aware that if you choose not to go, against our advice, then that will void your travel insurance with us.

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 that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

How to get medical assistance.

It’s essential that you get in contact with our assistance teams as soon as possible so that they can support you from the time you fall sick or get injured until the time you're well again.

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


I woke with a bad fever and headache. I tried to self-medicate however the fever did not subside. I went to the hospital to get checked out. It was confirmed that I tested positive for Dengue Fever and was later admitted for a period due to extremely low counts in my blood.
Claim paid: USD $758.50.
South African Nomad.

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: USD $10,000
  • Standard Plan: USD $5,000
Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy deceased?
  • Close relative dropped dead?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

We'll get you to hospital quickly.

  • Explorer Plan: USD $500,000
  • Standard Plan: USD $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all residents except from USA, Canada, Australia, New Zealand, Europe, Brazil, China and Philippines. 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 assistance

Whether you need medical assistance or emergency 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 assistance right now?
Phone:+353 21 237 8008 or +353 21 237 8003 (calls are not toll free. You can claim your itemised call costs)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.


Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.