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.
For more details, or if you have a specific question about World Nomads insurance, please visit our online Help Center or contact us.
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.
You can also buy away from home or buy more cover if you extend your trip. Plus, you can claim online anytime, anywhere in the world.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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.
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