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 unexpected goes wrong on your trip. It's not a substitute for your primary 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, damaged or stolen luggage, delayed flights, or non-refundable 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 unexpected family medical emergency is bad enough without having to forfeit all your costs as well. Also, your personal health 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:
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Travel insurance isn't designed to cover everything. Terms, conditions, limitations and exclusions do apply, so be sure to read your full policy wording to avoid surprises.
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.
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 team
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.
Coronavirus (COVID-19) and travel - Need to know before you buy
Some but not all of our policies provide cover for some coronavirus-related events – select your Country of Residence to find out more. Cover is not available for loss arising from: government intervention including travel bans, border closures or broadly imposed quarantine requirements; events for which the Government (see your policy) has issued a ‘Do Not Travel’ warning or its equivalent, for your destination(s); or failure to follow advice from official bodies. Your ability to travel may be affected by travel restrictions. Check your cover and the latest government advice and our travel insurance alerts.