When your illness or injury stops you in your tracks and you have to get home for treatment.
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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.
Serious accidents or illnesses can happen at any time during your trip, whether you’re trekking through the Eurasian Steppe or (not so) simply crossing the road in Vietnam. And if it’s bad enough to end your trip mid-way or if our medical teams recommend you return home for treatment, our repatriation cover can help get you home as fast as possible.
Medical evacuations are expensive depending on where you are, and the amount of medical support you might need. That's what our emergency medical, evacuation and repatriation insurance in all of our plans is designed to cover.
Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, 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.
Our 24/7 Emergency Assistance teams are trained to help in these situations, negotiating the complexities of hospitals, specialist transportation, airline approvals and medical escorts so you (and your family) can focus on your recovery.
Travel insurance is made to cover emergency treatment overseas and, if necessary, cover to rearrange your initial travel plans or for specialist medical transportation to get you home. If our medical teams believe it’s necessary to bring you home for treatment or ongoing care, there’s cover in all of our policies for:
Please note that cover is up to the amount shown in your Policy Wording and is subject to our Emergency Assistance team or us, on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that:
These overseas medical transport and repatriation benefits are payable, subject to our approval, for up to a maximum of 12 months from the date the sudden illness first manifested or the injury happened.
World Nomads offers benefits for medical issues related to Coronavirus (COVID-19) under the Emergency Medical & Dental Expenses Overseas section. If you are diagnosed with COVID-19 while overseas and it’s not considered a ‘pre-existing medical condition’ under our policy your benefits include evacuation or repatriation if deemed medically necessary by us and in consultation with your attending physician.
You can check out our What’s covered for Coronavirus which has all of the details, including benefit limits and exclusions.
The first step is to get medical help, and as soon as reasonably possible contact us (or get someone else to do so on your behalf). Our 24/7 Emergency Assistance team can make arrangements and get pre-authorisation for your repatriation home. Our doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers get home safely to fully recover.
Travel insurance isn’t designed to cover everything. There are some cases where it's just not possible to provide cover:
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 article on medical transport and repatriation
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.
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It’s essential that you get in contact with our 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:
On my second day in Burma, I woke up in the middle of the night with intense abdominal distress. I was rushed to the Asia Royal Hospital and immediately taken for evaluation and an ultrasound. I had a large mass in my abdomen and evacuated to Bangkok that evening to see a specialist. I was admitted to Bumrungrad International Hospital, where I stayed for eight days for a battery of tests, including several ultrasounds, a CT scan, and two aspirations of what turned out to be a renal cyst. After a conditional discharge, where I was restricted to rest, I was deemed stable enough to be evacuated. Two days later I was on a flight back to the U.S., where I am now continuing treatment.
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Expenses included in Emergency Medical limits.
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World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable.
For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.
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.
Wherever you are, we’re here 24/7 to help you in any emergency.
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.)
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.
Here are our most frequently asked questions. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.