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Travel Insurance for Families

World Nomads offers travel insurance plans that ensure your family is protected—whether you're travelling with babies, children, or teenagers. Get an instant quote 24/7.

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Protect your loved ones on holiday

Travelling with your family is a whole different ball game. While you may have once pushed boundaries on your own, you now have loved ones in tow. That’s where World Nomads Travel Insurance comes in, we are here to support New Zealand families when unexpected events occur.

Dependents eligible for cover

With World Nomads travel insurance cover, a dependent is:

  • Child(ren) or grandchild(ren), or others for whom you are the legal guardian and,
  • Who are not in full time employment and,
  • Are 20 years old or younger at the Policy Issue Date and,
  • Are travelling with you on your trip and are listed as covered on your Certificate of Insurance.

Note: age limits for dependents as outlined above will vary depending on your country of residence. Always read the Policy Document so you know what you are and are not covered for.

When applying for a policy there must be at least one adult insured on the policy, and at least one of the insured adults on the policy must be the legal guardian of the dependent(s).

If a dependent is not travelling with their legal guardian they may need their own policy, depending on your country of residence. Read the Policy Document carefully to choose the right plan and level of cover for everyone who is travelling with you. Your policy may have terms, conditions, limitations, and exclusions.

Did you know: You can add your children and grandchildren to our policies at no extra cost? Only adults are charged. It’s just one of the ways we look after families on their travels.


How could World Nomads family travel insurance help?

World Nomads is dedicated to assisting New Zealand families with:

  • 24/7 emergency assistance: Quickly locate local medical services and hospital care if needed.
  • Cover for 220+ adventure activities: Enjoy your holiday knowing that many common travel activity related injuries and related incidents are covered.
  • Overseas medical: Protection for overseas medical emergencies including access to hospitals and dental.
  •  Trip cancellations: If you need to cancel your trip we may help cover some costs.
  • Baggage and high-value items cover: if your baggage or items are stolen, lost or damaged you may be covered, including benefits if your bags are delayed and you need to purchase emergency clothes and toiletries.
  • Coverage for extended stays: if you’re having too much fun and want to extend your family holiday, your plan can be extended while still traveling for up to 12 months from your departure date (terms and conditions apply). You can extend your policy as long as it’s done before the end date shown on your Certificate of Insurance.

Travel insurance tip: If you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated (except for emergency medical as a result of a sudden accident which is witnessed and verified by an independent third party).


Get travel advice through our Travel Wiser content, FAQs, guides, safety information, and travel alerts.

To avoid any surprises when making a claim, it’s a smart idea to become familiar with the various limits, benefits, available upgrades, terms and conditions before you buy a policy.

What’s not covered by our plans

Be sure to review your policy carefully, as there are exclusions, such as:

  • Cancellation for change of mind: Expenses incurred if you simply change your mind are not covered.
  • Illegal activities: Any costs related to unlawful actions are excluded.
  • Non-emergency treatments: Routine treatments that can wait until your return are not covered (this is for travel emergencies only).
  • Certain existing medical conditions: Some conditions may not be covered as specified in your policy.

Tips for New Zealand families planning a trip abroad

  • Prepare in advance: Research and purchase your travel insurance as soon as you book your holiday to maximize coverage benefits. Give yourself plenty of time to get to airports, get through security and board transport. Keep your schedule loose and flexible.
  • Read the fine print: Ensure you fully understand the policy exclusions, especially concerning existing medical conditions and non-emergency treatments.
  • Prepare documentation: Keep copies of important documents, such as medical records, passports, birth certificates, and travel itineraries. Always check visa requirements of your intended destination(s) – some countries require you to have at least 6 months validity on your passport.
  • Emergency planning: Familiarize yourself with local emergency services at your destination and share your travel plans with a trusted contact back home. Take relevant medical information with you and keep it handy.
  • Budget for unexpected costs: Consider setting aside extra funds for emergencies, even if you’re covered by insurance.
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.

FAQ

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

  • What is considered a close relative?
    A close relative is defined by us as your spouse/de facto partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchild, grandparent, step-parent, step-son, step-daughter or guardian.
  • Am I covered if I need to cancel my trip because a relative is sick/injured?

    If a close relative is suddenly hospitalised or dies from a sudden illness or serious injury, then your travel insurance policy can help if you have to cancel or re-arrange your trip. 

    If you have to cancel or rearrange your trip, there may be cover for:

    • The non-refundable portion of your travel expenses, including transport, accommodation, tours/experiences, tuition/course fees, travel agency cancellation fees and frequent flyer points.
    • Your reasonable and necessary additional transport and accommodation expenses to return home early to visit your family, including:
      • the costs incurred to change your flights to an earlier date; and
      • The costs of itemised phone calls and internet expenses incurred when contacting us or your travel provider to rearrange, resume, catch up to or end your original travel plans.
    • Costs incurred to re-arrange your travel plans so you can resume your trip after your visit home.

    How it works

    Before you change your plans, you must contact your travel providers to try to minimise your expenses and request any refunds or rescheduling assistance. You may resume your trip under the same policy up until it’s end date (with pre-approval of trip resumption costs first).

    You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim. Also be aware that any claim submitted will have the policy excess applied.

  • How do I buy travel insurance for the family?

    Go online and enter a few details about yourself, your destinations, and the ages of all your family members. We will generate an instant quote with both Standard and Explorer plan options, and you can pick which one suits your specific needs. Once you’ve selected the right level of cover and paid, you will get instant confirmation of your family travel insurance to your selected email.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000
Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

We’ve got your back.

Emergency Medical Overseas

Take the pain out of medical costs.

  • Explorer Plan: Unlimited
  • Standard Plan: $5,000,000
Emergency Medical Insurance
  • Need medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital in a flash

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: $10,000
  • Standard Plan: $2,000
Protect your gear
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

Help starts here.

  • Overseas Medical Expenses
  • Emergency dental treatment
  • 24 hour assistance
  • Emergency medical transport & repatriation
  • Cancellation costs
  • Trip interruption costs
  • Compassionate emergency visit home
  • Resumption of trip
  • Theft or accidental damage to baggage and personal items
  • Baggage delay over 12 hours
  • Funeral expenses overseas or repatriation of remains
  • Personal liability
This is a general summary for New Zealand residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

We cover more than 150 activities you love + more

Here are several activities under each category that World Nomads love to do:

Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.

Snow
Water
Air
Land
Sports
Experiences
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Snow
  • Bobsledding
  • Ice Hockey
  • Ice Skating
  • Kite Wing
  • Skiing
  • Snowboarding
  • Snow kiting
  • Snowmobiling
  • Tobogganing
Water
  • Canoeing
  • Kayaking
  • Paddle Boarding
  • Sailing
  • Scuba Diving
  • Snorkelling
  • Surfing
  • Tubing
  • Windsurfing
Air
  • Aerial Safari
  • Ballooning
  • Bungee Jumping
  • Hang Gliding
  • High Diving
  • Hot Air Ballooning
  • Passenger in a commercial aircraft
  • Skydiving
  • Tandem Skydiving
  • Zip Line
Land
  • Bushwalking
  • Camel Riding
  • Camping
  • Caving
  • Hiking
  • Orienteering
  • Motorbiking
  • Mountain Biking
  • Trekking
Sports
  • Baseball
  • Basketball
  • Cricket
  • Fencing
  • Go Karting
  • Golf
  • Hockey
  • Tennis
  • Ultimate frisbee
  • Volleyball
Experiences
  • Childcare work
  • General farm work
  • Hospitality
  • Restaurant
  • Teaching
  • Fruit Picking
  • Admin work
  • Office work
  • WWOOFing
All of the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans. Coverage may not be available for residents of all countries, states or provinces.

24/7 emergency assistance

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.

Are you in need of emergency assistance right now?

From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)

Within Australia (Free call): 1800 611 210