Unsure how travel insurance works, and why you might need it? Get your answers here.
We do our best to make travel insurance both simple and flexible, but questions still come up. Here are answers to some of the questions we get asked the most.
This information is for residents of the United States only.
Travel insurance is designed to help cover your expenses if something goes wrong on your trip, and fill any gaps that wouldn't be covered by your primary medical insurance or other insurance you may have. It's not meant to be a substitute for primary medical insurance and won't cover non-essential medical treatment, such as routine exams.
Travel insurance usually covers travel at a certain distance from your home (100 miles or more, in the case of World Nomads). You pay the insurance company a fee, called a "premium," which can vary based on where you're traveling, how long your trip is, your age, and what activities you plan to participate in. The insurance company agrees to cover costs (up to a certain limit) for things like emergency medical treatment, lost or stolen luggage, delayed flights, or nonrefundable expenses should you have to cancel your trip.
Travel insurance can be an affordable way to protect yourself against unforeseen events. Having to cancel your long-anticipated trek in Patagonia due to a family emergency is bad enough without having to forfeit all your costs as well. Also, your personal medical insurance may not cover costs while traveling out of the country or might exclude certain activities. With travel insurance, you can explore your boundaries (within reason, of course) and still be covered.
The full list of things we cover is too long to include here, but in general our coverage includes:
Travel insurance isn’t designed to cover everything. Terms, conditions, and exclusions do apply, so be sure to read the full Travel Protection Plan to avoid surprises. You can view your policy after getting a quote.
Here are the main things that aren’t covered:
We know our World Nomads like to get active when they travel, so we cover more than 200 sports and activities at a range of levels, depending on whether you buy our Standard or Explorer Plan. Check out this complete list to see if the adventure you're after is on it.
But we don't cover careless. You must be acting responsibly at all times and not put yourself deliberately in danger (for instance, riding a motorbike without a helmet in Thailand).
The US is your country of residence if you're a U.S.A. citizen or resident with a U.S.A. residential address and unrestricted right of entry into the US. You must be able to provide documentation (a driver's license, for example) to prove your U.S.A. address.
For purposes of this insurance, the U.S.A is all US States, the District of Columbia and overseas US Military bases. It does not include US Territories (Puerto Rico, Guam, Northern Mariana Islands, the US Virgin Islands, and American Samoa).
If you get sick or injured on your trip and need to be transported back home, it's important for us to know where you live (for obvious reasons). And while no one likes to think about this, we need to know where to transport your remains if you die.
We also need to make sure we connect you with the right travel assistance team, who can coordinate with your home doctor and insurance provider if necessary, and help with other country-of-residence-specific things like replacing a lost passport.
Insurance partners and regulations vary depending on your country of residence, so what's covered under your U.S. policy may differ from what's covered under your Aussie or French or Canadian travel buddy's plan. For the same reason, prices will also vary for travelers from different countries, even if they're on the same trip. And regulations can even vary between states, which is why you need to select a home state when you ask for a quote.
Not typically. Pre-existing medical conditions – unless they are controlled and stable – are not covered under our policies for US residents. Not to get too technical, but a pre-existing condition is defined as something that you have showed symptoms of, been treated or tested for, recommended you be tested for, or received a prescription for in the 90 days prior to the effective date (or six months prior, for policies purchased before June 7, 2017). Get more information in our Help Desk.
It depends. World Nomads will arrange and pre-pay emergency medical evacuations.
For other covered medical expenses, the insured pays out of pocket and then submits a claim to be reimbursed.
In all cases – even if your injury or illness seems fairly minor – you should call our 24-hour Emergency Assistance number.
Our team can help you with finding the most suitable medical facility, negotiating fees, and expediting payment. This will also establish a claim record, so the claim can be resolved more quickly.
Keep in mind, World Nomads travel insurance is secondary to any health coverage you have at home, which means it does not cover care or treatment that is payable under your other policy. Our coverage will pay additional expenses (up to the policy limit) after your primary insurer has paid whatever it is obligated to pay.
Yes, a lot of our World Nomads travel that way! You don't need a return ticket to buy our insurance, but if you must return home without having a return ticket, we'll need to deduct the cost of your transport home from your claim. Get more information in our Help Desk.
Yes, you can be traveling anywhere in the world and still buy a policy. You can purchase it for any duration you choose (from 1 day up to 12 months). Check the policy wording for details on when coverage begins and ends.
We aren't able to extend your existing policy, but if you extend your trip, you can buy a new policy online while you're traveling. Just sign into your World Nomads membership and follow steps to purchase a new policy.
Some limitations apply – get more details here.
You can claim online while traveling or after you return home. You can also contact the Customer Service Team for help.
Claiming online is easy. If you're already a World Nomads member, you'll just need to sign in, follow the claims path and attach your supporting documents. If you're not a member, you can either create an account which lets you lodge most claims electronically or you can get in touch with our customer service team, who'll send out a paper form for you to complete.
Before you submit your claim, gather all relevant bills, invoices, and other documentation providing evidence of the covered incident, which will help the claims team assess and process your claim. Depending on the type of claim, these documents might include:
If you're unsure what documents you’ll need, just call our Customer Service Team:
We’re here to help 24 hours a day, 7 days a week.
Protect your hard earned vacation from unexpected cancellation.
We’ve got your back.
Take the pain out of medical or dental costs.
We’ve got your back.
Emergency medical transportation: we’ll get you to hospital or home quickly.
Help starts here.
Covers the loss, theft or damage of your bags, tech and gear.
Help starts here.
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.
My wife fell in our house and broke her right kneecap. She had to have surgery and the doctor says she has to stay off her right leg for 8 weeks. I had to cancel my trip to Israel because I have to stay in the house and be her caregiver.
I went to the hospital because I felt a fever and upon further testing they found it to be dengue fever. They also found a infection in my liver which made the process of getting better take longer than usual. I stayed in the hospital for 8 days before I was discharged.
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.
We sell travel insurance to travellers from 140 different countries.