For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024 please see below.

When you embark on your exciting adventure abroad, it's essential to have travel insurance that covers your medical needs. World Nomads is here to provide you with comprehensive coverage for overseas emergency medical treatment and hospitalization. We've got you covered when unexpected illnesses or accidents occur during your trip. Here's what you need to know:

What medical expenses are covered by World Nomads?

World Nomads understands that accidents and illnesses can happen at any time. That's why our travel insurance policy offers cover for a wide range of medical expenses, including

  • Overseas emergency medical and surgical treatment and hospital charges (in-patient admission);
  • Out-patient treatment (no hospital admission);
  • Emergency dental treatment for immediate pain relief;
  • Outpatient physiotherapy when prescribed by a medical practitioner;
  • Specialist counselling services in case of assault-related injuries or psychological trauma;
  • Emergency medical transport and repatriation home (subject to approval).

What to do in case of emergency?

In case something unexpected happens and you require medical treatment, follow these steps for a seamless experience:

  • Notify World Nomads' 24/7 Emergency Medical Assistance team as soon as you are aware you will be admitted as an inpatient for at least one night; 
  • Keep in touch with our Emergency Medical Assistance team until you no longer require treatment or assistance. 

Just so you know, the coverage you'll get with this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). If you are travelling in the European Economic Area (EEA) or Switzerland, you must carry your valid European Health Insurance Card (EHIC) or UK Global Health Insurance Card (GHIC) to access medically necessary, state provided healthcare.

GHIC is your passport to accessing state healthcare across Europe at a fraction of the cost or even for free. If you already possess a UK European Health Insurance Card, fret not! It remains valid until the expiry date displayed on the card. However, when that time comes, it's important to apply for a GHIC to seamlessly continue enjoying the benefits.

Who pays for your medical treatment?

Understanding who covers your overseas emergency medical expenses depends on the circumstances and location of treatment. Here's what you need to know:

  • In the event of any medical incident contact our 24/7 Emergency Medical Assistance team as soon as possible;
  • For treatment received as an out-patient (i.e. no hospital admission),generally you should pay the medical bills yourself then make a claim online later. Be sure to keep all your receipts and doctors reports to support your claim. 
  • If hospitalized, once your coverage is confirmed, we can arrange direct payment to the hospital whenever possible; 
  • Please note that a policy excess will be applied to any medical claim submitted.

Exclusions to keep in mind

While World Nomads provides extensive coverage, there are some situations that fall outside our policy's scope. Here are the main exclusions:

  • Pre-existing medical conditions (refer to the Policy Wording for details); 
  • Medical expenses incurred after returning home to the United Kingdom;
  • Expenses not deemed medically necessary by your treating doctor or the Emergency Assistance team;
  • General check-ups, vaccinations and other preventative treatments; 
  • Other exclusions mentioned in the Policy Wording.  

We encourage you to carefully read the Policy Wording to understand the terms, conditions, limitations, and exclusions of your cover. If you have any doubts about what's covered, don't hesitate to get in touch with us. Our team is here to provide you with the information and assistance should you need it.

How does my travel insurance policy help me in an emergency?


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