Travel Insurance for Natural Disasters
For when nature intervenes.
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Coronavirus (COVID-19) and travel - what you need to know.
About CoronavirusWe are aware various governments have changed their travel warnings to restrict travel during this time. To understand the impact on your policy, please go to our FAQs and choose your country of residence.
Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips. While some natural disasters are unpredictable, most give off enough warning so you're not caught off guard.
What does travel insurance cover if there is a natural disaster?
| Your country of residence | Cancellation | Trip Interruption | Trip Delay | Medical Expenses | Baggage | 24 hour emergency assistance |
|---|---|---|---|---|---|---|
| Australia | ||||||
| New Zealand | ||||||
| Brazil | ||||||
| Canada | ||||||
| United Kingdom | ||||||
| Ireland | ||||||
| USA | ||||||
| All other countries | Contact us |
For those policies that do cover natural disasters in one way or another, you'll need to have bought a policy before the natural disaster is known, and do everything you can to minimise your expenses. It's a good idea to read through the policy wording as you go through the purchase path as there are limits on the cover depending on which plan you buy.
What’s not covered by travel insurance in a natural disaster?
- If you’re a storm chaser and put yourself in its path
- If you don’t follow the advice of the authorities
- If you hang around to watch what happens
- If you buy a policy after an event becomes known
This is not a full list of what's covered and not covered. There are item limits and conditions that apply, so for more information check out our article on natural disasters and read your policy carefully before you buy.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
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 hospital 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 Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
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?
Contact the teamWherever you are, we’re here 24/7 to help you in any emergency.
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.
FAQ
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.
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Can I get I get a refund on my policy if I'm no longer traveling?
If the policy is outside of its cooling off/free look/refund period, then there are no refunds for the unused portion of your policy.
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Does my policy automatically extend if I'm unable to get home?
Most policies will automatically extend. However, not all do and the extension lengths vary. Read your policy carefully so you know how you're covered.
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I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling off/free look/refund period, and you're not using your policy in any way, you can cancel the policy and get a refund.
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If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.