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Overseas medical travel insurance

A visit to the hospital shouldn't put your credit card into intensive care

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For information relating to policies purchased prior to 17 June 2021, 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 17 June 2021 please see below.

Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.

That’s why our policy is designed to help British travellers when unexpected illness or injury strikes and to get you back on your feet and, ideally, back on the road.

Cover available under 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). Where urgent medical assistance is required, contact our 24/7 Emergency Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.

What’s covered by overseas medical travel insurance?

World Nomads travel insurance covers accidents and emergencies when you’re travelling overseas.

If you’re accidentally injured or suddenly become ill while travelling, our 24/7 Emergency Assistance team is on hand to help you. Cover may include:

  • Assistance locating and paying for medical care including a doctor, dentist, chiropractor or medical facilities in your location or nearby.
  • Hospitalisation.
  • Out-patient care and day surgery.
  • Ambulances and medical transport, including by helicopter if medically necessary and available.
  • Prescribed medicines.
  • Transport home to the UK if we deem it medically necessary.

We’ll only pay for reasonable and necessary treatment and hospital accommodation you receive overseas and with our approval, for up to a maximum of 12 months from the date the sudden illness first manifested or the injury happened.

Am I covered for COVID-19 while overseas?

All our plans include emergency medical cover for travellers who get sick with Coronavirus while travelling overseas, where it is not considered a ‘pre-existing medical condition’ per the definition in the Policy Wording. 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 hospitalisation;
  • Evacuation or repatriation if deemed necessary by us and in consultation with your attending physician.

You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.

Reciprocal health agreements and medical cover

World Nomads policies cover accidents and emergencies only and is not a health / private insurance policy.  Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no reciprocal health agreement in the country in which you are travelling.

If you are travelling to a country where the NHS has a reciprocal healthcare agreement, such as Australia or New Zealand, you will need to apply for reciprocal health cover before you leave the UK.

What’s not covered by travel insurance?

Though our policy may cover accidents and emergencies, it’s not a catch-all for every scrape you might find yourself in. Medical conditions or circumstances we don’t cover include:

  • If you were doing anything illegal. (You didn’t really think we’d cover that did you?)
  • Injuries or illness from drugs or alcohol.
  • If you’ve been acting recklessly
  • Sexually transmitted infections, except where contracted through assault.
  • Pre-existing medical conditions as defined in the Policy Wording.
  • Ongoing treatment at home.
  • Non-emergency treatment that can wait until you get home.
  • Cosmetic treatments.
  • If there is a reciprocal health agreement in the country in which you are travelling.
  • If you booked a one-way ticket to your destination, we will not pay for your return ticket home.

If things do go wrong contact our 24/7 Emergency Assistance team. They can advise on your cover and get you in contact with medical help as quickly as possible.

The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.  

So that's the policy details - why not get a quote and see if it's right for you.

How to get medical assistance

It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible, so that the team can support you from the time you fall sick or get injured until the time you're well again.

So that they can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location

Sick in Vietnam

I was so relieved and grateful to all of the World Nomads team to get insurance cover for my treatment this week whilst I have been sick in Vietnam. Thank you for all your hard work and understanding to manage my complicated case with negotiations and international correspondence. I received a truly professional service from you.
UK resident in Vietnam

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: £2,000
  • Standard Plan: £1,000
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)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

24/7 emergency 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 assistance right now?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

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.


Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team