Travel insurance for overseas medical
A visit to a hospital shouldn’t put your credit card into intensive care
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Overseas medical travel insurance: At a glance
- Get medical help immediately, don’t delay medical treatment.
- Call local emergency services if needed.
- Contact World Nomads 24/7 Emergency Assistance as soon as practical.
- Keep all medical reports, receipts, and invoices.
- Always read the Product Disclosure Statement (PDS)/Financial Services Guide (FSG)and Target market Determination (TMD) to know what you are covered for and consider whether this product is right for you.
- Contact usif you have any questions.
- What to do if you’re injured overseas
- What’s covered
- What’s not covered?
- Contact the 24/7 Emergency Assistance team
- Need to make a claim after a medical emergency?
- Travel tips for medical emergencies overseas
- FAQs
Food poisoning definitely isn’t on the menu for most of our travelers, but then again neither is Coronavirus (COVID-19), scooter accidents, brain aneurysms or shark bites.
We’ve seen all of these and more in our claims department at World Nomads and that’s why we think you’d have to be mad to travel anywhere overseas without travel insurance for overseas medical emergencies.
What to do if you’re injured overseas
Contact the 24/7 Emergency Assistance team who can help you sort out the insurance side of things. Finally, make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.
What’s covered
Depending on your chosen plan and your country of residence, your policy may help cover things like:
- Overseas medical and hospital expenses
- Emergency dental treatment
- Emergency medical evacuation
- Transport to the nearest appropriate medical facility
- 24/7 Emergency Assistance support
What’s not covered?
- Alcohol misuse or being under the influence of a drug.
- Unlawful acts.
- Any sexually transmitted diseases or sexually transmitted infections (except were contracted through an assault).
- Non-emergency treatment that can wait until you return home (it's not health insurance; it's for medical travel emergencies).
- Pre-existing medical conditions.
- Ongoing treatment at home.
Contact the 24/7 Emergency Assistance team
Our Emergency Assistance team is available 24 hours a day, 7 days a week.
For hospital admissions or serious injuries, you (or someone with you) should call the Emergency Assistance team as soon as possible. They may help coordinate care, communicate with medical providers and discuss next steps under your policy.
Travel insurance tip: Keep your travel insurance policy number handy. Your policy number and contact details for the Emergency Assistance or customer service teams can be found on your Certificate of Insurance.
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Need to make a claim after a medical emergency?
Claims can be submitted online. To lodge a claim for travel insurance medical emergencies, keep:
- Medical report detailing what happened and the diagnosis
- Hospital admission and discharge records
- Emergency services reports
- Itemized invoices and receipts
- Any correspondence about your treatment
Review the terms and conditions, limitations and exclusions in your policy wording carefully so you clearly understand your coverage.
Travel tips for medical emergencies overseas
- Save your policy number and the Emergency Assistance number on your phone before you travel.
- Keep a printed copy of policy documents.
- Know local emergency numbers.
- Don’t ‘wait it out’ if you’re unwell. Seek treatment early and contact our team as soon as practical.
- Keep copies of all medical paperwork.
If you’re injured or have an illness that we believe is best treated at home, we may make the decision to repatriate you even if you don’t want to go. You must be aware that if you choose not to go, against our advice, then way may limit the costs we pay, and you’ll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you’re claiming.
Travel insurance tip: Emergency numbers vary by country. Look them up before you travel and keep them handy.
FAQ
Here are our most frequently asked questions about cover for overseas medical emergencies. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What should I do first if I’m injured overseas?
Get to a safe place and seek medical help immediately. Call the local emergency services if needed. Once you’re safe and being treated, contact the Emergency Assistance team as soon as you can.
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Do I need to contact World Nomads before getting treatment?
No. Always seek urgent treatment first. Health first, paperwork later. But make sure you contact our Emergency Assistance team as soon as is practical.
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What documents do I need to make a medical claim?
You’ll need to present any documents relevant to your medical treatment. A doctor’s report, hospital records, invoices, receipts for medication, police reports, proof of travel.
Before your trip, check the latest government advice for any travel alerts for your destination.