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Why buy travel insurance?

Wanting to know more about travel insurance and what it does?

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In most cases, traveling overseas goes without a hitch. So, you may be asking yourself, “why would I need travel insurance?”.

Travel insurance may not always be required, but when that illness, injury, baggage delay or trip interruption occurs, and you’re left out in the cold it could come in very handy. World Nomads may offer travel insurance for several events, some of these include:

  • Hospitalization due to a severe injury or illness
  • A flight is delayed or canceled
  • If your bags and valuables are delayed, stolen or damaged
  • When you urgently need 24-hour Emergency Assistance
  • If you’re planning to be active and doing outdoor adventures (we offer over 200+ activities, sports and experiences)
  • If you need cover for a multi-destination trip
  • If you’re travelling with family and need cover for dependants
  • Cover for some Coronavirus-related events

If you’re still not convinced, then consider the following: you’re overseas on your European ski trip enjoying the French Alps, you have a bad skiing accident and end up in hospital injured. Depending on your injuries your recovery could take days. You may also need to think about medical repatriation, paying for extra accommodation, prescribed medication, and any other unforeseen costs.

We always want our travelers to enjoy their holiday, but it doesn't always go smoothly. Luckily, we’ve seen great outcomes from countless cases where our customers were covered under our Standard or Explorer plans. Many happy customers have received the timely assistance they needed without needing to max out their credit card and avoided some major headaches along the way.

Traveler tip 1: if you’re in need of urgent medical assistance, all you have to do is call the 24/7 Emergency Assistance Team. They will guide you through issues such as: providing assistance on how to recover a lost or stolen passport; directions to the nearest medical facility; and, if necessary, determine how to safely transport you back home; and much more.

Woman passenger at the gate waiting to check-in
Woman passenger at the gate waiting to check-in. Photo credit: Getty Images / Patchareeporn Sakoolchai

Want more of our plan details?

You can compare our Standard and Explorer plans and prices through getting an instant online quote.

Here are just some reasons travel insurance may be a good idea to consider on your next overseas vacation:

Overseas medical and dental cover and medical evacuation

If there's one big reason to consider buying travel insurance, this is it. In many cases, if you get sick, the hospital won't treat you without upfront payment or providing proof of an insurance policy. World Nomads travel insurance can cover overseas emergency medical expenses including:

  • Hospitalization
  • Out-patient treatment (that doesn’t require hospital admission)
  • Prescribed medicines
  • Dental care
  • Transport to get you home for ongoing treatment if we decide it's medically necessary.

This is not a full list of what's covered. There are limits and conditions that apply, so for more information check out our article on overseas medical coverage, and read your policy carefully before you buy.

Cancellation cover

Have to cancel your trip? When you start paying for your airfares and accommodation, it makes sense to protect what you've spent in case you can't travel. All our policies can help cover flights and accommodation if:

  • You become sick or injured
  • You, your traveling companion or a family member suffers a serious covered illness or injury
  • You, your traveling companion or a family member dies
  • You can't stay at your destination because it's uninhabitable due to a natural disaster

If you have to cancel your trip for a covered reason, our travel plans may help save you money and time, but if you don’t have insurance, you could be paying for a trip you were unable to take and many more headaches.

Baggage and valuables cover

Bags can go missing from airline check-ins and things get stolen when left unattended while on holidays. If you are taking several bags and have valuables such as skis, a camera and lenses, or a fancy designer dress that you would like to cover, then our policies can help with cover for high-value items in case of loss, theft, or damage when your bag is checked in with a carrier or because of a theft. We can also cover your essential items if your bag is delayed – think toiletries, underwear, a clean shirt, and some socks.

Cover for Coronavirus-related events

Coverage for any COVID-19-related events under our Standard and Explorer plans will depend on your Country of Residence and the plan you’ve selected. If you are diagnosed with COVID-19 while overseas, your benefits may include:

  • 24/7 access to our Emergency Assistance Team, who can help you access local medical care
  • Medical costs including hospitalization
  • Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending medical practitioner.

Some of our Explorer plans also offer cover for some additional COVID-19-related events such as cancellation following a diagnosis to assist our travelers. To find out what cover applies to you, read our What's Covered for Coronavirus? article, which has all the details, including benefit limits, terms and conditions, and exclusions.

Note: don't forget to read the policy wording when you hit the quote button as all plans are different – don't just assume you are covered in every situation, as terms and conditions, benefit limits, and exclusions may apply.

Buy or extend travel insurance while overseas

With a World Nomads policy, you can buy cover anytime, anywhere. Plus, if you decide to stay longer somewhere, we are happy to extend your policy if it's done before the end date shown on your Certificate of Insurance.

Traveler tip 2: if you buy a policy while traveling overseas, there may be a waiting period before your cover is activated. The maximum duration available for any policy, including extensions varies based on your country of residence. For some regions it is 12 months from the start date indicated on your Certificate of Insurance, except for US and Brazil-based residents which is 180 days.

What you should look out for when considering travel insurance:

  • Make sure you correctly choose the right trip dates, age limit, and level of cover.
  • Ensure all your destinations are covered.
  • Make sure you understand what a pre-existing medical condition is under our policies (coverage varies by country of residence).
  • Some activities and sports may require an extra level of cover or may not be covered.
  • Make sure you clearly understand the benefit limits and the excess as per the level of cover you've selected.
  • Understand that there will be General Exclusions in your cover for which you won't be covered under any circumstances.
  • Make copies of travel documents and keep receipts in case you need to make a claim.

Watch Anton's true claim story

I fell on my side and heard the sound of a dry stick breaking, I realized my leg was broken, then I just lay on the beach... The first phone call I got was from World Nomads and they basically told me, you don't worry about this Anton, just focus on getting better...and we'll take care of the rest.

World Nomads customer from Iceland

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 200 activities, you can get a quote, claim, or extend your policy online at All the information we provide about travel insurance is a 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 coverage.

Want all the details?

You can compare the Standard and Explorer plans and prices through getting an instant online quote.

True Claims Stories

  • 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.
    U.S. resident in Spain
  • 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.
    Australian in Thailand
  • 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.
    Canadian in Malaysia

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dead?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

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

Travel insurance. Simple & flexible.

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.