Travel Insurance for travel accidents
Travel insurance can help with medical emergencies and evacuation if you get into an accident
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Accidents have a way of catching you off guard – that’s why they’re called accidents. You could be skiing in the Alps when you fracture your wrist, or trekking on a remote peak when you sprain your ankle. Rather than going into panic mode or descending into downright despair, how about turning to your travel insurance? Your World Nomads plan can provide coverage if you have a travel accident, including medical treatment, hospital stays, ambulance rides, and more.
- What is covered if I have a travel accident?
- Emergency medical and evacuation
- Accidental death and dismemberment
- What is not covered if I have a travel accident?
What is covered if I have a travel accident?
When you get injured while traveling, World Nomads may be able to cover you under different sections of your policy.
Emergency medical and evacuation
Suffered an injury? Got into a traffic accident? In a medical emergency – big or small – World Nomads travel insurance benefits can help get you reimbursed for:
- Hospital stays
- Out-patient surgery and treatment
- Visits to medical practitioners
- Prescription medications
- Medical evacuation, including air ambulance
Accidents can happen abruptly without warning, so keep our contact numbers handy, and if the worst happens, you can get assistance quickly. Our 24/7 Emergency Assistance Team can help you out with a lot of things, including:
- Emergency evacuation
- Repatriation of remains
- Emergency transportation after you’ve been stabilized
- The return of dependent children back to your home
- Medical and dental provider referrals
- Transfer of medical records
- Medical monitoring.
For some of these services, such as evacuation, you’ll need to get pre-authorization from us; it’s always a good idea to ask us about our vetted network of providers and verify your coverage. We want you to get the best health outcome while maximizing your travel insurance benefits.
Accidental death and dismemberment
If you get seriously hurt – and lose your sight, a limb, or even your life – you (or a designated beneficiary) can get compensated for the loss, up to the maximum benefit amount specified in your policy.
The loss must have occurred within 365 days of the accident to receive benefits. We won’t get into the details here, but let’s just say that although the coverage is there, no amount of money is worth more than your limbs or your life.
What’s not covered if I have a travel accident?
- Any accidents that happened when you under the influence of drugs or alcohol
- Injuries not confirmed by a physician
- Accidents resulting in participating in a sport or an activity that the policy does not cover
- Taking unnecessary risks
- Any losses related to a pre-existing condition
- Search-and-rescue missions
- Any claims that lack the proper documentation
- Evacuation and emergency transportation not authorized by us.
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 emergency medical and adventure sports coverage, and read your policy carefully before you buy.
Does travel insurance cover COVID-19?
World Nomads plans build in benefits that support you should you unexpectedly get sick while traveling. Our medical coverage includes benefits for serious illnesses, such as COVID-19, or being placed under strict quarantine by a physician or government mandate, among other scenarios.
Trip cancellation
This benefit helps you recover non-refundable, pre-paid trip costs when you have to cancel your trip for a covered reason, including for an unexpected sickness that keeps you from traveling.
Emergency medical
The only thing worse than catching COVID-19 is getting infected away from home. If you get sick with COVID-19 or another illness, you can get diagnostic tests to confirm your case and other emergency medical benefits.
Medical evacuation
If you're in an inadequate medical facility, our plans have benefits that can arrange a transfer to a hospital capable of treating your medical needs.
Trip interruption
During your travels, you might have to return home early. With trip interruption, you could get reimbursed for a one-way, economy-class ticket home and any pre-paid, unused portions of your trip if you need to change your plans for a covered reason.
Trip delay
Even when there isn’t a pandemic, traveling can have its bumps and hiccups. If your travels are delayed at least six hours by a covered event, you could get reimbursed for meals, hotels and other basic expenses.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $10,000
- Standard Plan: $2,500
Trip Protection
- Work emeregency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $100,000
- Standard Plan: $100,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation
Emergency medical transportation: we’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $300,000
Emergency Evacuation
- Need a hospital?
- Ambulance transfers
- Medevac flights
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Stolen I.D.s
- Damaged luggage
- Checked-in sports equipment
Help starts here.
- Emergency Accident & Sickness Medical Expense
- Repatriation of Remains
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage & Personal Effects
- Baggage Delay (outward journey only)
- Rental Car Damage – where permissible
- Accidental Death & Dismemberment
- Generali Global Assistance 24-Hour Assistance Services
- Generali Global Assistance Non-Medical Emergency Transportation Services
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, 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?
Contact Generali Global Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada)
Wherever you are, we’re here 24/7 to help you in any emergency.
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.
Coronavirus (COVID-19) and travel - what you need to know
Please read your plan documents carefully. Cancellations due to fear of travel are not covered. However, our plans may provide coverage if you become injured or ill prior to your trip or while on your trip. Learn more here: www.worldnomads.com/travel-insurance/coronavirus.
About Coronavirus