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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.

Keep in mind that you’ll first need to contact your private medical insurance (PMI) provider (if applicable) and follow their emergency medical procedures and their claims procedures. Cover available under this travel insurance policy is in excess of any cover provided by your PMI. Also, provide us with details of your PMI provider to help us co-ordinate your care. Where your PMI provider does not cover you, 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.

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 private health 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.  

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 Medical Insurance

Take the pain out of medical costs.

  • 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

We'll get you to hospital pronto.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
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
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.
Customers with pre-existing medical conditions

You can still purchase a World Nomads policy if you have a Pre-Existing Medical Condition (PEMC) – whether it is serious or not – but we won’t cover any claim/s made by any traveller under the policy as a result of this condition (this includes if you’re on separate or joint policies). This exclusion can’t be removed from the policy.   

The Money and Pensions Service (MaPS) has a travel insurance directory on its Money Advice Service website, or you can contact the service on 0800 138 7777. This service provides details on what may be considered a PEMC, and travel insurance providers that may cover serious PEMCs, which may assist travellers wanting cover for these conditions. 

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.

Are you in need of emergency assistance right now?

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
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

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.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars

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FAQ

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