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Travel Injury Insurance

Learn how Canadians can protect their adventures abroad with travel insurance for overseas injuries

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At a glance

  • Travel insurance for accidents while abroad: Coverage for overseas travel accidents may be included in the single trip and annual multi-trip plans for Canadian residents
  • Emergency medical coverage while travelling: You may be covered for unexpected medical emergencies that happen while participating in covered activities 
  • Reimbursement for medical expenses: You may be reimbursed for expenses such as physician costs, hospital stays, ambulance transportation, x-rays and prescription medication
  • Returning to your home province: You may be covered for the costs to travel back to your home province if your medical provider determines it’s best for you to go back home for treatment 

Why should you consider travel insurance for travel accidents? 

Accidents have a way of catching you off guard – especially when you’re away from home. You could be skiing in the Alps when you fracture your wrist or hiking on a remote trail when you sprain your ankle. Automobile accidents are also very common. According to the World Health Organization, approximately 1.19 million people die in road traffic crashes each year, and between 20-50 million are left with non-fatal injuries.

Nobody plans for these situations, but if you’re injured while travelling, you may need to seek medical treatment, and your Government Health Insurance Plan could be limited when you travel outside of your province. It may only pay a small portion, if any, of your medical expenses.

Travel insurance may include multiple benefits that could help you during this time, including emergency medical coverage for things such as a hospital visit, ambulance ride, prescription medication and x-rays. If your medical team and the 24/7 Emergency Assistance Team determine that it’s best for you to go back to your home province to get medical care, you may also be covered for the costs to get you there. If you get seriously hurt during your trip – and lose your sight, a limb, or even your life – you (or a designated beneficiary) may be compensated for the loss (up to maximum limits shown in your policy documents). 

What’s Covered for Accidents 

  • Physician costs
  • A hospital stay
  • Services of a licensed private duty nurse while you’re in the hospital
  • Prescription medication
  • Tests needed to diagnose your condition
  • Ambulance transport
  • Dental emergencies resulting from accidental blows to your face or mouth 
  • One follow-up visit related to the emergency that happened on your trip 
  • Accidental death and dismemberment benefits for flight or travel accidents
  • Medical evacuation and repatriation 
  • Return of your remains if you die overseas 

Exclusions  

  • Non-essential medical treatment
  • Accidents that happen as a result of drug or alcohol use
  • Pre-existing medical condition(s) as explained in your policy documents
  • Injuries resulting from activities that aren’t listed within your plan
  • Follow-up visits that happen more than 14 days from your initial emergency
  • Claims that lack proper documentation
  • Emergency transportation that is not pre-approved by the 24/7 Emergency Assistance Team
  • Situations outside of the limits, terms, and conditions of coverage stated in your policy documents

Maximum Limits for Accidents

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Emergency Evacuation and Repatriation: Up to $250,000 CAD

Travel Accident: Up to $10,000 CAD 



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Emergency Medical Expenses: Up to $5,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $500,000 CAD 

Travel Accident: Up to $25,000 CAD 



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Emergency Medical Expenses: Up to $10,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $750,000 CAD 

Travel Accident: Up to $50,000 CAD 



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Emergency Medical Expenses: Up to $5,000,000 CAD 

Emergency Evacuation and Repatriation: Up to $500,000 CAD 

Travel Accident: Up to $25,000 CAD 



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*You must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.

Compare all benefits and plans

Five Tips for Staying Safe While Travelling 

  • Pick activities that align with your health and fitness abilities. For example, if you have certain respiratory conditions, you may want to avoid scuba diving. World Nomads Travel Insurance for Canadian residents may cover over 250 adventure sports and activities, but you and your doctor should assess your own personal health to determine which ones you should participate in. 
  • Before you leave Canada, we encourage you to check out the Canadian government’s travel advice for your destination. On their website you’ll be able to see if there are any health risks that you need to be aware of when you travel to certain countries.
  • Do your research and choose reputable tour companies. Take a look at their certifications, safety records and reviews.
  • Bring along a first-aid kit. Although you can buy pre-made kits, you can also put together your own travel safety kit that includes things such as band-aids, antibacterial wipes, and blister cream.
  • You may find it helpful to save your policy number and the 24/7 Emergency Assistance phone number in your cell phone – just in case. If a medical emergency does happen, you’ll want to be able to easily access that quickly. Addressing a medical situation quickly could stop it from becoming a worse situation.

FAQ

Here are our most frequently asked questions about cover for travel accidents. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • What happens if I have an accident overseas while I’m travelling alone?

    Just because you’re travelling alone doesn’t mean you have to deal with a medical emergency by yourself. If you’re admitted to the hospital for three or more days during a solo trip, travel insurance for overseas medical emergencies may cover the cost for someone to travel to be with you during your time of need. In addition to a plane ticket, travel insurance may also cover their costs for things such as hotel accommodations and meals for up to 10 days (up to maximum limits).

  • What do I do if I have an accident while travelling overseas?

    It’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time of your accident until you're well again.

    So that our emergency assistance team can assist you quickly, please be ready with the following:

    • Your policy number
    • A contact number for where you are and/or your cell phone number
    • The nature of your problem
    • Your location

    Don’t forget to save all documentation related to your medical emergency, including medical reports, receipts, etc. You’ll need those if you plan to make a claim.

  • What happens if I have an accident and die while travelling overseas?

    World Nomads Travel Insurance plans for Canadian residents include coverage that may help your family get assistance if you die overseas as the result of an accident or a sudden and unexpected illness. Coverage may be available (up to the maximum limits shown in your policy documents) for:

    • Return of your remains to Canada
    • Local cremation or burial overseas
    • Reasonable additional expenses if someone needs to travel to identify your body

    It’s essential that your family or travel buddy get in contact with our 24/7 Emergency Assistance Team as soon as possible, so that our team can support them from the time you die until your remains have returned home.

    To help our Emergency Assistance team assist them quickly, they'll need the following:

    • Your policy number
    • Your location
    • As many details as possible about the circumstances surrounding your death

    Leave a copy of your policy with your family or friend, just in case they need to use it.

  • What types of medical expenses may be covered?

    World Nomads offers travel insurance for overseas medical emergencies that may cover a variety of expenses, including:

    • Physician costs
    • Hospital costs
    • Prescription medication
    • Tests needed to diagnose your condition
    • Ambulance transport

    Just remember, you must have Government Health Insurance Plan (GHIP) coverage in your home province for your entire trip to be eligible for the maximum emergency medical expenses benefit. If you don't, your total limit for all emergency medical expenses is limited to $40,000.

This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Insurance protection for your hard earned vacation in the event of unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • AMT Plan: $10,000
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Help take the pain out of medical or dental costs.

  • Standard Plan: $1,500,000
  • Explorer Plan: $5,000,000
  • Epic Plan: $10,000,000
  • Annual Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Standard Plan: $250,000
  • Explorer Plan: $500,000
  • Epic Plan: $750,000
  • Annual Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Gear & Baggage Protection

Coverage for the theft, damage or delay of your bags, tech and sports gear.

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $5,000
  • Annual Plan: $2,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

Protect your health

  • Emergency Medical & Dental Expenses
  • Emergency Evacuation and Repatriation
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Return of Remains
  • Return of Travel Companion/Dependent Children

Protect your trip

  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Exchange (Explorer, Epic or AMT)
  • Rental Vehicle Damage (Explorer, Epic or AMT)

Protect your stuff

  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy

Assistance Services

  • 24/7 Worldwide Emergency Medical Assistance
  • Worldwide Travel Assistance
  • Personal Security Assistance
  • Adventure Traveller’s Hotline
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.