Good insurance begins a long way from the departure lounge
Whether or not you’re a boy scout, there’s wisdom in the maxim “be prepared”. This is possibly even truer when adventuring abroad. Carry a first-aid kit. Research local etiquette and customs. Learn some of the language. And most importantly take the time to understand your travel insurance policy and what to do in case you need to use it.
Tip 1: Check if your favorite adventure activity is included in the policy
World Nomads covers more than 150 adventure sports, activities and experiences. But some activities are more dangerous than others and may impact your travel insurance accordingly.
Depending on your country of residence you may need to include an insurance upgrade when you buy to have cover for some activities. If you don’t have the right level of cover you won’t be able to claim if something goes wrong.
Get it right when you buy
The time to add upgrades or activities is when you purchase your travel insurance – you can’t do it afterwards. So if you decide to detour to the ski slopes, make sure you have the policy to match.
What’s not covered?
Some activities aren’t covered at all. Your policy has the full list, but common sense can help: long walks along the beach – generally OK; dive-bombing to the depths of the Mariana Trench without your flippers – probably not. If you’re unsure whether an activity is covered, contact us.
Check the fine print
Many activities have special restrictions and exclusions. If you don’t follow these you may void your cover. These include safety gear requirements, terrain limitations, geographical boundaries and more. And then there’s the issue of licenses…
Tip 2: You might need a license for that
Having the right level of cover is just the beginning. Travellers from some parts of the world need to have valid licenses in their home country as well as at the destination to have insurance for some activities. Broadly, these include:
So before you jump on that bike or strap on an oxygen tank, make sure you already have the permit and expertise.
Tip 3: Gear gone? Stuff stuffed? A little admin makes claiming a cakewalk
It’s tough enough when your bags or belongings are stolen or damaged. Keep your claim’s process as smooth as possible with some pre-trip prep.
Get the paperwork in gear
Save photos of your items and digital copies of receipts, valuations or proof of ownership to cloud storage or your email. It’s a good idea to leave copies of any documents with someone at home too.
If something is stolen or damaged
Along with your ownership and value documents, get reports from the police and, if your checked-in luggage went missing in transit, from the carrier (such the airline).
While this might seem time-consuming, we ask it of all our travelers to help combat baggage claim fraud. Unfortunately, this is the number one reason we have to increase premiums for everyone. And remember, any payments include depreciation of an item’s value unless you’ve nominated it as a high-value item and paid the extra premium.
Tip 4: There are some places travel insurance won’t go
World Nomads provides cover to more than 130 countries but not all. We exclude some places because they are too dangerous for you to go there and too expensive for us to cover.
A “do not travel” advisory means exactly that
Before you start booking flights and accommodation or paying deposits, check out the relevant government’s travel advisory for your destination. If there’s a “do not travel” advisory or similar, we can’t insure you to go there. Please keep in mind that these warnings change regularly and might affect your insurance.
Other places we don’t cover
Your policy may exclude other regions, such as polar areas or places with political instability. Government sanctions may also restrict us from paying claims in certain countries, so we can’t pay expenses incurred there. When you get your quote, World Nomads’ online purchase path will tell you if we can’t cover your destination country.
All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of cover.
I put my foot in a funny way while I was walking quickly because it was raining, I just fell unexpectedly to the floor my face first so I put my arm bad and broke the shoulder a little bit and hit the ground with my front teeth so the lip was in blood and 1 tooth broken.
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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.
Coronavirus (COVID-19) and travel - Need to know before you buy
There is NO COVER available for travel to any country or part of it with a COVID-19 travel ban, and any events that arise when you travel against any government bans or warnings.
Ready to hit the road? Before you buy, check your local government travel warnings and make sure you understand the impact coronavirus (COVID-19), and the the associated travel warnings, may have on travel insurance coverage. Please go to our FAQs and choose your country of residence to read more, or you can see our latest travel alerts here. When getting a quote, review the policy wording for cover terms, conditions, limits and exclusions.About Coronavirus