Travel Insurance for Natural Disasters
For when nature intervenes.
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Ten years ago, nobody worried about being caught up in natural disasters. But in an age of ever-worsening cyclones and hurricanes, and other freak weather events, cover for this sort of thing is now essential. And all that without even mentioning the multiple volcanic eruptions around Bali...
What does travel insurance cover for natural disasters?
As long as you've bought your policy before the disaster was in the media, your policy will cover a range of different things. If you're still at home and the cyclone has swept your accommodation into the sea, we understand that you'll probably want cancel your trip rather than camp in the ruins of the resort. If you're overseas and caught up in it, then we'll cover you to get out. Whether that's getting home or getting to your next destination, will depend on your travel plans.
What's not covered
We don't cover costs that you would have incurred without the disaster happening. If you were island-hopping in the Caribbean and your accommodation got blown away in a hurricane, you'll need to move on. But if you didn't have any transport already paid for, then you'd be paying that cost to change islands anyway, so we won't cover it for you.
We also don't cover if you just change your mind about a place. If you're worried about a volcanic eruption or an oncoming hurricane, talk to your airline. If they're cancelling flights, then you've probably got a claim. If they're carrying on business as usual, then we'll need a good reason why you can't go.
As always, we'll ask you to ask your airline, accommodation and tours for refunds.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: Unlimited
- Standard Plan: $5,000
Trip Protection
- Are you, your family sick, injured or deceased?
- Has one of your relatives died?
- Has a bushfire damaged your home?
We’ve got your back.
Emergency Medical Overseas
Take the pain out of medical costs.
- Explorer Plan: Unlimited
- Standard Plan: $5,000,000
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
We'll get you to hospital lickety-split
- Explorer Plan: Unlimited
- Standard Plan: $500,000
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: $10,000
- Standard Plan: $2,000
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Medical Expenses
- Emergency dental treatment
- 24 hour assistance
- Emergency medical transport & repatriation
- Cancellation costs
- Trip interruption costs
- Compassionate emergency visit home
- Resumption of trip
- Theft or accidental damage to baggage and personal items
- Baggage delay over 12 hours
- Funeral expenses overseas or repatriation of remains
- Personal liability
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: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)
Contact the teamWherever 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.
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. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.
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Can I get I get a refund on my policy if I'm not longer traveling?
If the policy is outside of its cooling off/free look/refund period, then there are no refunds for the unused portion of your policy.
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Does my policy automatically extend if I'm unable to get home?
Most policies with automatically extend. However, not all do and the extension lengths vary. So check your policy so you know how you're covered.
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I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling off/free look/refund period, and you're not using your policy in any way, you can cancel the policy and get a refund.
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If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.