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  1. World Nomads
  2. Uk
  3. Travel Insurance
  4. Whats Covered
  5. Travel Accidents

Travel insurance for overseas travel accidents

For when your adventure becomes a misadventure

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Knowing your cover for accidents overseas is a critical part of planning for any adventure. Whether you’re exploring on the grid or hurtling off it, serious accidents can happen anywhere, anytime.

What’s covered by World Nomads travel insurance if I have an accident overseas?

If you’re injured in an accident, UK residents can be covered for emergency medical treatment including:

  • Hospitalisation.
  • Day surgery and out-patient treatment.
  • Visits to registered medical practitioners.
  • Prescribed medicines.
  • Medical evacuation including air ambulance, where medically required.

Our 24 hour Emergency Assistance team can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, give support to your family, and help you navigate local customs.

What’s not covered?

  • If you’re intoxicated as a result ofdrugs or drinking alcohol excessively.
  • If you’re doing an activity the policy doesn’t cover.
  • If you’ve been acting recklessly or illegally.
  • If you ride a motorbike without a helmet or the correct licence.

This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.

Emergency Assistance for travel accidents

It's essential that you get in contact with our 24/7 Emergency Assistance Teams as soon as possible so that our teams can support you from the time you get injured until the time you get home.

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 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.

Standard plan:
Not available

Explorer plan:
 £1,250*

Coronavirus Travel Costs section (travel and accommodation costs on-trip)

If during your travels you’re unable to stay at your pre-booked accommodation, because it’s closed for cleaning due to a confirmed case of Coronavirus we may pay for reasonable additional travel and accommodation nearby. Did someone clip your wings? If you’re unable to board your plane, train or other scheduled transport because you’re suspected of having Coronavirus, we may offer cover for unexpected additional accommodation, meals and transport costs as needed.

Standard plan:
Not available

Explorer plan:
 £1,250*

Coronavirus Travel Costs section (on-trip quarantine related cost)

Stuck in your hotel room due to Coronavirus? If you or your travel companion must go into compulsory quarantine due to a diagnosis of, or a confirmed close contact with, a case of Coronavirus, we may be able to help with cover for reasonable additional travel, meals and accommodation, including in-room entertainment.

Standard plan:
Not available

Explorer plan:
 £1,250*

Coronavirus Travel Costs section (Essential Workers)

Are you or a member of your travelling party an essential healthcare worker? If you’re permanently employed as a healthcare or residential care worker or a law enforcement officer, and your pre-arranged leave is cancelled because of Coronavirus then our cover can help.

Standard plan:
Not available

Explorer plan:
 £1,250*

Coronavirus Travel Costs (pet and childcare costs on-trip)

If while travelling you’re diagnosed with Coronavirus and unable to take care of your dependent children and/or pets, our travel insurance policies may help with cover for reasonable additional childcare and pet care costs. Pet care services covered include kennel and cattery boarding fees or pet sitting services, in the UK.

Standard plan:
Not available

Explorer plan:
 £1,250*

Disclaimer: *This is the maximum limit (per insured person) available for all events combined under the Coronavirus Travel Costs section. All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Make sure you read your Policy Wording carefully for a full description of coverage.

Mountain Biking Accident.

I was riding my mountain bike when I hit something and went over my handle bars. I put both hands out and broke my wrists and knocked myself out. I woke up in an ambulance and then went to Whistler Health Care Centre where I had x rays and further treatment.
U.K resident in Canada.

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.

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Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Come to a sticky end?
  • Called to jury duty?
  • Been made redundant?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical costs.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need drugs?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital pronto.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • You or a family member dead?

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Luggage lost?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Customers with pre-existing medical conditions

You can still purchase a World Nomads policy if you have a Pre-Existing Medical Condition (PEMC) – whether it is serious or not – but we won’t cover any claim/s made by any traveller under the policy as a result of this condition (this includes if you’re on separate or joint policies). This exclusion can’t be removed from the policy.   

The Money and Pensions Service (MaPS) has a travel insurance directory on its Money Advice Service website, or you can contact the service on 0800 138 7777. This service provides details on what may be considered a PEMC, and travel insurance providers that may cover serious PEMCs, which may assist travellers wanting cover for these conditions. 

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?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

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.