Unsure how travel insurance works, and why you might need it? Get your answers here.
We do our best to make travel insurance both simple and flexible, but questions still come up. Here's a quick overview of the basics.
Travel insurance is designed to help cover your expenses if something goes wrong on your trip, and fill any gaps that wouldn't be covered by your primary health insurance or other insurance you may have. It's not meant to be a substitute for health insurance and won't cover non-essential overseas medical treatment, such as routine exams.
Travel insurance usually covers travel at a certain distance from your home. You pay the insurance company a fee, called a "premium," which can vary based on where you're traveling, how long your trip is, your age, and what activities you plan to participate in. The insurance company agrees to cover costs (up to a certain limit) for things like emergency medical treatment, lost or stolen luggage, delayed flights, or nonrefundable expenses should you have to unexpectedly cancel your trip.
Travel insurance can be an affordable way to protect yourself against specific unforeseen events. Having to cancel your long-anticipated trek in Patagonia due to an enexpected family medical emergency is bad enough without having to forfeit all your costs as well. Also, your personal medical insurance may not cover costs while traveling out of the country or might exclude certain activities. With travel insurance, you can explore your boundaries (within reason, of course) and still be covered.
The full list of things we cover is too long to include here, but in general our coverage includes:
Travel insurance isn't designed to cover everything. Terms, conditions, and exclusions do apply, so be sure to read your full policy wording to avoid surprises.
Here are the main things that aren't covered:
If you have more questions about travel insurance, feel free to contact us.
Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
I recently had a serious injury traveling on my own & the team was amazing. Being confused with a brain injury they took care of everything. Claiming was no problem, they were on the phone constantly to see if all was OK. I can't recommend them enough. Absolutely fantastic & l will always travel with World Nomads Insurance. Thanks guys for getting me home safely.
I was bitten by a monkey at the Batu Caves in Kuala Lumpur. I went to a nearby clinic and they gave me a rabies shot, antibiotics to take for 4 days, pain medicine, and anti-inflammatory medicine.
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Take the pain out of medical or dental costs.
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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.
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Wherever you are, we’re here 24/7 to help you in any emergency.
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.