Unsure how travel insurance works, and why you might need it? Get your answers here.
Trusted by:
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 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.
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 teamTravel 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.
Before your trip, check to see if there are current travel alerts for your destination – you can also check travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.