Travel Insurance for Travel Health.

Travel Insurance isn't health insurance. Here's why...

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Travel Insurance for Health Emergencies

For information relating to policies purchased prior to 8 November 2022, 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 8 November 2022, please see below.

Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.

Just keep in mind that our policies are travel insurance policies. They are not private health insurance policies nor do they offer any statutory health cover; and most policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.

So this isn't a health insurance plan?

No, it's a travel insurance policy. It's there for sudden medical emergencies while you're travelling abroad. It's not designed to cover ongoing illness, injuries or medical treatment you were receiving when you started your trip; routine or elective treatment or surgery; or any treatment in your country of residence.

What does travel insurance cover if I'm sick or injured?

If you’re injured in an accident or suddenly become ill while travelling, you can be covered for emergency medical treatment including:

Hospitalisation
Day surgery and out-patient treatment
Visits to registered medical practitioners
Prescribed medicines
Ambulances
Extra expenses to get you home, if medically necessary

We also have 24 hour Emergency Assistance Teams who 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. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.

What’s not covered?

Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:

If you've taken drugs or alcohol
That rash you picked up while having hostel sex (ah, sorry)
Where you've been acting like an idiot
Non-emergency treatment that can wait until you return home (that's what your health insurance or national health coverage at home is designed to do)
Pre-existing medical conditions (as explained in your policy wording)
Ongoing treatment at home

This is not a full list of what's covered and what's not covered. There are terms, conditions, limitations and exclusions in the policy wording 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.

How to get medical assistance for health emergencies.

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 your fall sick of 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

Swollen Penis.

I noticed an abnormal inflammation of my penis. Initially I had also a little bit pain and I got scared. In the evening the pain and the itch were gone but I still was worried. Therefore I went to the Hospital.

Italian Nomad.
Claim Paid. €289

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

Explorer Plan: €10,000
Standard Plan: €4,000

Trip Protection

Unexpectedly hospitalised?
Travel buddy unfit to travel?
Close relative suddenly dies?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

Explorer Plan: €12,500,000
Standard Plan: €3,750,000

Emergency Medical Insurance

Need meds quick?
Accidentally injured?
Suddenly sick?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

Evacuation and Repatriation

Banged up abroad?
Need a hospital urgently?
Medivac home?

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).

Explorer Plan: €2,500
Standard Plan: €1,250

Protect your gear

Luggage lost?
Passport pilfered?
Tech trashed?

Help starts here.

Overseas Medical & Dental Expenses
24 hour Emergency Assistance
Emergency Medical Transport
Repatriation & Travel Expenses

Pre-Trip Cancellation
Trip Interruption (Explorer)
Resumption of Trip (Explorer)
Travel Delay (Explorer)
Missed connection (Explorer)
Hijacking (Explorer)

Baggage & Personal Items
Passport & Travel Documents
Personal Liability
Rental vehicle insurance excess (Explorer)
Personal accident

*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are 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?

Country of residence	Phone
Belgium	+32 (0)2 808 66 32
Denmark	+45 89 87 30 23
Germany	+49 (0)335 5622 3012
Ireland	+353 (0) 90 640 6460
Netherlands	+31 (0)20 8080731

Contact the team

Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.

Aurelie Menard,
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.

Underwritten by: AXA

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.

I'm at expat, but return to see family once a year. Can I buy a World Nomads' policy?
You can buy a policy for your return trip. However, if during your visit you also have cover under a private health insurance policy or under a statutory or national health insurance scheme, you will need to make a claim through those providers first. If you intend to move somewhere permanently, you'll need health insurance.

Will I need medical records if I need to claim?
Yes. The team will ask for medical records before processing any medical claim.

Does it matter if my receipts are in another language?
You can submit your claim with the receipts in another language. If the claims examiner requires you to translate it, they'll let you know.

Is there an excess?
Most policies have an excess, so it's a good idea to check your policy.

nib Travel Services Europe Limited (trading as nib Travel Services and World Nomads), City Quarter, Lapps Quay, Cork, Ireland, arrange, manage and administer this policy under a binding authority to act on behalf of the insurer, Inter Partner Assistance S.A.: an insurance company approved by the National Bank of Belgium under number 0487, incorporated under Belgian law, having its registered office at 7 Boulevard du Régent, 1000 Brussels, registered with the Crossroads Bank for Enterprises under number 0415.591.055; Directors: Jozef van In, Marc Audrin and Pierre-Alexis Bourdon. Chairman of the Board of Directors: Patrick Cohen. nib Travel Services Europe Limited, trading as nib Travel Services and World Nomads, is regulated by the Central Bank of Ireland.