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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

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 and repatriation home

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, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan:
£10,000,000

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, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan:
£5,000

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

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