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Overseas Medical Travel Insurance

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We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter crashes, and at least one shark bite! When the unexpected happens, our 24/7 Emergency Assistance teams will support you and your family, so you can focus on getting better.

What Overseas Medical Expenses are covered by travel insurance?

If you’re injured in an accident or suddenly get sick while traveling, you can be covered for emergency medical treatment overseas including:

  • Hospitalization
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary

Am I covered for Coronavirus related medical costs while overseas?

Depending on your Country of Residence and the travel insurance plan you choose, you may also have access to Coronavirus (COVID-19) coverage for certain events. Some of our plans offer:

  • Emergency medical cover, evacuation and/or repatriation if you’re diagnosed with COVID-19 while overseas;
  • Cover for some additional Coronavirus-related events such as cancellation following a diagnosis to assist our travelers on the Explorer Plan.

To find out what cover applies to you, read our What’s Covered for Coronavirus article which has some of the details, including benefit limits, conditions and exclusions.

Coverage depends on your Country of Residence and varies between plans.

24/7 multilingual support when you need it the most

We also have 24 hour multi-lingual assistance teams that can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family and help you navigate local customs. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.

What should I do if I have an emergency while traveling?

What’s not covered?

Travel insurance isn’t designed to cover everything. Common claims we see, where there's no cover for overseas medical expenses, include:

  • If you've used drugs or alcohol, as per the policy wording
  • Any sexually transmitted diseases or sexually transmitted infections (except, for example, where contracted through an assault).
  • Any reckless behavior
  • Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
  • Pre-existing medical conditions as shown in your policy wording
  • Ongoing treatment at home

This is not a full list of what's covered and what's not covered. There are limits, conditions and exclusions that apply, so for more information check out our articles on emergency overseas medical coverage and adventure sports coverage, and read your policy wording carefully before you buy. 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 Emergency 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 that we can call you on
  • The nature of your problem
  • Your location

Monkey Bite

While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. I received my first rabies vaccination and then went to the International SOS office in Bali for an examination. There I received a second rabies shot, and then immunoglobulin shots.

S.D. U.S Resident in Indonesia.

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
  • Got into an accident?
  • Have your relatives died?
  • Has a bushfire damaged your home?

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 medicine?
  • 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 overseas?
  • Medevac needed home?
  • Need an ambulance?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

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)
*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 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 team
Wherever you are, we’re here 24/7 to help you in any emergency.
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 Help Center or you can ask our customer service team