Travel insurance with cover for Coronavirus -related events
Travel insurance may help if Coronavirus cancels your travel plans.
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For information relating to policies purchased prior to 8 November 2022, 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 8 November 2022, please see below.
We know our European travellers are having to take added precautions as the COVID-19 Coronavirus continues to disrupt travel around the world. World Nomads wants to help you travel with confidence, so we’ve added some COVID cover to our insurance plans.
All our travel insurance plans purchased from 8 November 2022 include emergency overseas medical and repatriation cover if you get sick with Coronavirus while abroad, and our Explorer plans also offer cover for some Coronavirus related events. A 48-hour waiting period applies from the issue of the Certificate of Insurance for the pre-trip cancellation benefits in the Coronavirus Travel Costs Section. If you first purchase your policy while already travelling overseas, a 72-hour waiting period applies for all cover. Benefit limits, conditions and exclusions also apply, and cover varies depending on the plan you choose.
World Nomads travel insurance for Coronavirus and our plans
- Our Standard and Explorer plans offer cover for emergency medical assistance if you get sick with Coronavirus (COVID-19) overseas – cover includes medical assistance, repatriation and hospitalisation benefits.
- Our Explorer Plan also offers cover for the additional costs of some COVID-19 related events such as cancelled or disrupted trip expenses and some quarantine costs if you fall ill, as well as additional benefits for healthcare workers, police and other frontline workers who have their travel plans disrupted due to Coronavirus.
Benefit limits apply and vary between plans.
| Benefit | Standard | Explorer |
|---|---|---|
| Emergency medical expenses overseas | Yes | Yes |
| Medical repatriation/ evacuation (including funeral expenses or repatriation of your remains if the worst-case scenario happens) | Yes | Yes |
| Coronavirus Travel Costs Note: This section has its own benefit limits which apply. Check your policy wording for full details or have a look at our Help article which has all of the details, including waiting periods, benefit limits, conditions and exclusions. |
Not Available | Yes |
What do I do if I get COVID-19 before or during my trip?
If you need to cancel or cut short your trip due to yourself or a member of your travelling party being diagnosed with COVID-19 by a medical practitioner, or if your close relative in your country of residence is hospitalised or dies due to coronavirus, we have provided some tips below, especially if you intend to make a claim. Please follow these simple tips:
- Isolate! And seek the relevant medical attention.
- Contact your doctor as soon as reasonably possible. They will need to certify that due to the COVID-19 diagnosis you are medically unfit to continue with your original travel plans. The diagnosis of Coronavirus must be made after policy purchase.
- Don’t delay in the cancellation of your plans to maximise the opportunity of refunds from your providers.
- Always keep receipts for any trip payments you make and wherever possible, request written reports from providers or local authorities.
- Follow the advice of your Foreign Ministry and local advice – different countries have different rules. The COVID-19 protocols in your home country may be very different to the countries you plan to visit. Take the time to research what these may be before you go, so you’re prepared if you get sick with Coronavirus.
Travel insurance isn’t designed to cover everything, so make sure you’re careful with your planning and you read the Policy Wording to make sure you understand what’s included and what’s not, as well as the terms, conditions, limitations and exclusions. If you have any questions get in touch.
How to get medical assistance
Contact our 24/7 Emergency Assistance Teams as soon as possible, so they can support you from the time you fall sick or get injured, until the time you get home.
When you call please have ready:
- Your policy number
- A contact number and travelling companion details for where you are now
- The nature of your problem
FAQs
Here are our most frequently asked questions about Coronavirus. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team-
Does my insurance cover medical costs upfront or do I have to pay and claim later?
Our international policies can offer cover for emergency medical expenses abroad and medical evacuation and repatriation following a serious injury or sudden illness - this includes coronavirus - subject to all policy terms, conditions, limits, and exclusions. However, if the plan you already purchased doesn’t include the benefit section ‘Coronavirus Travel Costs’ (which offers some cover for eight specific coronavirus-related events), contact us for assistance. We are not able to change the plan issued after purchase, but, provided you have not used your original policy and do not need to make any claim, we may be able to assist you with the purchase of a new policy and provide you with a refund of your original premium. It is important to remember that this would be a new policy, subject to the policy terms, conditions and pricing in effect at the date it is issued, and it would not offer cover for any event that has already occurred.
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What do I do if my test hasn’t come back in time, and I need to cancel my trip?
If you need to cancel or rearrange your travel arrangements, even at the last minute, don’t delay in speaking with your airline or other travel providers to minimise any potential cancellation costs or fees. If you booked through a travel agent, they may be able to assist you with this, too. If you do need to make a claim, the cover available will depend on your individual circumstances, as well as the plan you have purchased. For us to assess if cover can apply, you’ll need to submit a claim along with all supporting documentation. Remember, if you are required to take a test prior to travel, it is important to allow sufficient time for results to come back.
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Why don't you cover ongoing treatment at home?
Medical cover in your home country is not offered with our travel insurance. Cover for your pre-trip cancellation expenses may be available if you become unfit to travel due to contracting COVID-19, depending on the plan you have purchased, and the facts of your claim - check the policy you have purchased and if it has Coronavirus Travel Costs cover. We assess all claims on a case-by-case basis. Speak with your travel providers; you may be able to cancel or change your arrangements at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this, too. Please note, if you’re already travelling and need to make changes to a flight or your accommodation, even at the last minute, don’t delay in speaking with your airline or provider. If you can’t continue with your planned arrangements due to a positive diagnosis, simply not showing up could mean you forfeit your booking or incur additional fees when you may have been able to move your dates or times at no or minimal cost. If you booked through a travel agent, they may be able to assist you with this too.
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Do I need medical proof of my positive COVID-19 result if I need to cancel my trip?
The type of evidence required to support any claim will vary. It is best to obtain as much information as you can to support any potential claim. Depending on the scenario, a Rapid Antigen Test may be sufficient, however, in order to confirm the facts of your claim, we’ll look at what is reasonable in the situation, and we may need additional information. You should also adhere to applicable government advice and register the results of any positive Rapid Antigen Test as required.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €12,500,000
- Standard Plan: €3,750,000
Emergency Medical Insurance
- Need meds quick?
- 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?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €2,500
- Standard Plan: €1,250
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Medical & Dental Expenses
- 24 hour Emergency Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Pre-Trip Cancellation
- Trip Interruption (Explorer)
- Resumption of Trip (Explorer)
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Hijacking (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Rental vehicle insurance excess (Explorer)
- Personal accident
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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?
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Ireland | +353 (0) 90 640 6460 |
| Netherlands | +31 (0)20 8080731 |
Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
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.