Long Term Holiday Insurance
For those who aren't going home anytime soon
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What does long term travel insurance cover?
We know there’s nothing more exciting than heading overseas with a ticket in your back pocket. So we designed our policies to cover more than 150 activities and events including casual bar work, skiing, zorbing and much more.
Our policies come with loads of benefits depending on the policy that you buy, but all of them cover:
- Medical
- Cancellation
- Luggage/baggage cover
- 24/7 worldwide assistance
What is the longest duration travel insurance can cover?
The maximum duration will vary depending on whether you have purchased a Single Trip or Annual Multi-Trip policy.
The maximum duration available for any Single Trip policy, including extensions, is 12 months (365 days) from the policy start date shown on your Certificate of Insurance.
With an Annual Multi-Trip, the maximum duration differs depending on whether you selected teh Standard or Explorer plan.
- Standard Plan - 31 days per trip
- Explorer Plan - 45 days per trip
How do I buy travel insurance cover for longer?
You can buy cover for longer, even if you’re already on the road. Cover on World Nomads policy is available for up to one year, but if you want to extend your Single Trip beyond one year, you just need to jump online to get a quote for a new policy.
Be sure to revisit the eligibility criteria and key definitions such as ‘home’, as this and other terms and conditions have recently changed. We regularly review and change our policies and the cover we offer, so be sure that the cover still meets your needs each time you purchase.
You can’t upgrade your policy type once you’ve departed and started your holiday, so you’ll have to buy a new policy if you need more coverage. That’s why it’s critical you select the right level of cover up front.
Please note: If you plan to extend your Single Trip policy you should do so several days before it expires, due to time differences and possible administrative delays. If your policy is extended, we will issue you with an updated Certificate of Insurance.
What’s not covered on long term travel insurance?
There are a a number of other exclusions so make sure you read your policy and know what you aren’t covered for. Exclsuions include but aren't limited to:
- Engaging in any illegal activities (coverage will not be provided for such actions)
- Alcohol and/or drug abuse or alcohol and/or drug dependency
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies)
- Ongoing treatment at home
It’s important to remember that World Nomads offers travel insurance… not medical/health insurance. That means our policies won’t cover you for pre-existing medical conditions or ongoing medical care. We can however help you start on your road to recovery from injuries or illness incurred during your travels and ensure your safe arrival home.
Held up at gun point.
I was held up at gunpoint, on a bus journey between Belem and Teresina in Brazil. My entire rucksack and contents were stolen, and items on me were taken also. We spent the next day at the police station, and have statements from the police and bus company
British Nomad in Brazil.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: £5,000
- Standard Plan: £3,000
Trip Protection
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: £10 million
- Standard Plan: £5 million
Emergency Medical Insurance
- Need drugs?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- You or a family member dead?
Help starts here.
Protect your gear
Cover your lost, stolen or damaged gear and tech.
- Explorer Plan: £3,000
- Standard Plan: £1,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Emergency Medical Expenses
- Baggage & Personal Belongings
- Cancellation
- Trip Curtailment
- Personal Accident
- Loss of Passport or travel documents
- Personal Liability
- Legal Expenses (Personal Liability)
You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.
For information on travel insurance providers that offer cover on PEMC, visit Money Helper or call 0800 138 7777.
We cover 230+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
24/7 Emergency Medical Assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of Emergency Medical Assistance right now?
For policies purchased on or after 27 June 2024
+44 (0) 144 444 2021 (Call via an operator reverse charges. Not toll free.)
For policies purchased before 27 June 2024:
Phone: +44 (0) 203 093 1750 (Call via an operator reverse charges. Not toll free.)
