Am I covered for countries other than the ones I list on my policy?

For information relating to policies purchased prior to 05 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 11 March 2024 please see below.

The quickest and easiest way to make sure you’re covered for the countries you’re planning on travelling to, is to select them all when you purchase your travel insurance with us.

If we don’t provide cover to the country you’ve selected we may let you know right away before you purchase your travel insurance. But if you’ve already started travelling, are contemplating a side trip to a country other than those you specified and need to know if you’re covered, there’s a few things you need to know.

What if I’ve already started travelling and want to make a side trip to a country I didn’t list?

While World Nomads provides travel insurance coverage for travel to more than 130 countries worldwide, there’s still many we can’t or won’t provide cover for.

We exclude cover for travel to sanctioned countries or those with a Do Not Travel advisory against them by the New Zealand Government. That means if you select a region when purchasing your policy, you’re only covered for those countries in that region we provide cover to… and it can be tricky knowing which countries those are.

The best thing to do if your plans change is to contact us to check if you’re covered under your current policy as you may still be covered to travel to that missing country.

Can I upgrade and add regions or countries once I’ve started travelling?

It’s not possible to upgrade or add another higher priced country or region to your policy after you buy it. If you’re still within the 21 day cooling off period and you haven’t already left new Zealand you can cancel for a full refund and re-purchase your policy.

If you’ve already left New Zealand or are outside of the cooling off period, contact us.

After you select all the countries you'll be travelling to when you get a quote and buy your policy, they'll be listed on your Certificate of Insurance as well as a region number.

Note: Always check the status of your chosen destination(s) with the New Zealand Government travel advisory (www.safetravel.govt.nz) before you buy a policy and before you pay anything towards your trip, like deposits or the full amount. If you decide to travel in a country or region where a travel warning is in place or if an event is occurring that may threaten your safety, it may affect your policy coverage.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.


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