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Travel Insurance for Overseas Medical Expenses

Don't let your medical costs bury you.

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For information relating to policies purchased prior to 14 July 2021 12:00am UTC, 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 14 July 2021 please see below.

Food poisoning definitely isn’t on the menu for most of our travelers… but then again neither is Coronavirus (COVID-19), scooter accidents, brain aneurysms or shark bites.

We’ve seen all of these and more in our claims department at World Nomads and that’s why we think you’d have to be mad to travel anywhere overseas without Medical Travel Insurance.

What’s covered?

If you’re accidentally injured or suddenly get ill while traveling, our 24/7 Emergency Assistance team is on hand to help you. Our coverage includes:

Costs of medical facilities and doctors
Hospitalization
Out-patient care and day surgery
Ambulances
Prescribed medicines
Evacuation and repatriation if pre-approved by us
Prescribed physiotherapy treatments in hospital where considered medically necessary.

We can also arrange for interpreters to help negotiate the local language, customs and administration involved in accessing medical facilities overseas such as paying your bills, getting medical transport and finding the right medical facility to treat your injury/illness.

Am I covered for any medical issues related to COVID-19?

As COVID-19 travel restrictions across the world continually change day by day, we understand that travelers want to start to plan for their future travel, and we’re here to support them in doing so. So we’ve added some coverage for COVID-19-related events on both our Standard and Explorer Plans; benefits and limits vary.

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 hospitalization.
Evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.

If you have purchased the Explorer Plan, you may have some coverage for trip cancellation events which are outside of your control and caused by:

You or a member of your traveling party being diagnosed with COVID-19.
Your close relative back home being hospitalized or dying due to COVID-19.
You or a member of your travelling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to COVID-19.

Our article ‘What’s Covered for Coronavirus’ explains the benefits available if you get COVID-19 and need urgent assistance.

What’s not covered?

Injuries/illnesses as a result of drugs or alcohol intoxication.
If you do anything illegal.
Any sexually transmitted diseases or sexually transmitted infections (except where contracted through an assault).
Where you've been acting recklessly.
Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
Pre-existing medical conditions.
Ongoing treatment at home.

If you’re injured or have an illness that we believe is best treated at home, we may make the decision to repatriate you even if you don’t want to go. You must be aware that if you choose not to go, against our advice, then that will void your travel insurance with us.

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 that 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 assistance teams as soon as possible so that they can support you from the time you fall sick or get injured until the time you're well again.

So that our Emergency Assistance teams 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

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet.

Standard plan:
$5,000,000

Explorer plan:
Unlimited

Medical transport & repatriation home

If you become seriously sick or injured during your trip (and it's not considered a 'pre-existing medical condition' as defined in the policy wording) we may be able to help with cover for medical transport to the nearest or most appropriate medical facility, or back home to recover.

Standard plan:
$500,000

Explorer plan:
$500,000

Funeral expenses or repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral overseas, or if available, bringing you back to your home country.

Standard plan:
$15,000

Explorer plan:
$15,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion, or your close relative back home have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.