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Long-term Travel Insurance

For those who aren't going home anytime soon.

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Planning to travel long-term? Don't forget travel insurance to keep up with your adventures. World Nomads has you covered with flexible travel insurance designed by travelers, for travelers.

Why Choose World Nomads for long-term travel insurance?

World Nomads offers travel insurance that’s built for those who aren’t satisfied with the ordinary. Depending on your country of residence, our plans cover trips lasting up to 12 months, allowing you to travel without worry. Here’s why World Nomads stands out:

  • Buy cover while traveling: Forgot to get travel insurance before you left? No problem. With World Nomads, you can buy or extend your cover even after you’ve started your journey (waiting periods apply).
  • 24/7 Emergency Assistance: Wherever you are in the world, our emergency medical assistance team is ready to help you when you need it most, connecting you with medical treatment, transportation, or whatever support you require.
  • Coverage for 150+ adventure activities, sports and experiences: Whether you’re backpacking through Europe, hiking the Andes, or volunteering in Africa, World Nomads covers more than 150 activities so you can push your boundaries without worrying about the ‘what ifs’.

Travel insurance benefits for long term travelers

Our policies come with loads of benefits, depending on the policy you buy. Whether you’re going on a long trip or a short trip, all of our policies provide cover for:

  • Trip cancellation and trip interruption if you get sick or injured at the last minute and need to make a change.
  • Emergency medical treatment, like an urgent visit to the doctor, medicine to help you get well, x-rays and hospital stays.
  • Emergency medical evacuation if you get really sick and need to be transported somewhere with better facilities.
  • Emergency repatriation if you need to be flown home to receive better care, or to bring your body back to your home country if you die overseas (it’s terrible to think about, but it happens).
  • Delayed, lost or stolen baggage.

Who might want to buy travel insurance for a long trip?

Travelers of all ages might be interested in purchasing a long stay travel insurance policy. Here are a few examples:

  • College students going on study abroad who want to travel in between quarters or semesters.
  • Working holiday makers and digital nomads.
  • Backpackers and road-trippers on a long-term holiday.
  • Digital nomads making the most of work and play.
  • New retirees heading out to explore the world with their newfound freedom.
  • Families traveling for the summer holidays.

How long can travel insurance cover me for?

Our policies are designed to be flexible . We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.

Depending on your country of residence, you can buy a World Nomads travel insurance policy for a maximum duration of six or 12 months.

To find out how long we can cover you for, select your country of residence and get a quote. While there, you can also compare our two plans, Standard and Explorer, and download the full policy wording before you buy.

What if I don’t know how long I want to travel for?

If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options to ensure you’re covered while you’re away:

  • Extend your policy: You can extend most of our policies online and from overseas while traveling, as long as you extend it before it expires. Terms and conditions, and limitations apply so check the policy wording details before you purchase to make sure this will suit your needs.
  • Purchase a new policy: If your policy has expired, you can purchase a new travel insurance policy while you’re still traveling. Just note that there may be a waiting period for full cover to apply (you can be covered straight away if you're injured in an accident after you buy a policy). Your policy wording will have full details to understand the cover, terms and conditions, limits and exclusions.
  • Purchase and track your policies with your World Nomads membershipA free membership gives you access to all of our great content and safety advice. And if you buy travel insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more policies as needed, and access online claims forms. Make sure you log-in before purchasing each new policy.

Tips for long-term travelers

  1. Volunteering or working abroad?
    Ensure you’re covered for the specific activities you’ll be engaging in, whether it’s teaching English, working on a farm, or volunteering at a wildlife sanctuary. World Nomads offers coverage for a wide range of volunteer and work activities, so you can focus on making a difference.
  1. Students on a gap year or exchange
    If you're a student embarking on a gap year or participating in an exchange program, long-term travel insurance is essential. It covers you for medical emergencies, trip cancellations, and even the loss of important documents like your passport.
  1. Stay connected with us
    Keep a copy of your policy details and emergency contact numbers handy. Whether it’s a sudden illness or an unforeseen event, knowing how to quickly get in touch with us can save you time and stress.

Don't let the unexpected derail your long-term adventure. Get a quote from World Nomads today.

What’s not covered by travel insurance?

All travel insurance policies have exclusions and limitations. Here are some of ours - we won't provide cover for:

  • Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect both the local laws and mores of your host countries.
  • Medical evacuation or repatriation for any incidents related to drug and alcohol abuse, or that is not pre-authorized by a physician.
  • Trip cancellation for events that occurred before your policy was purchased (natural disaster, strike, etc.).
  • Not having visas or passports issued on time or not properly fulfilling the entry requirements of your destination.
  • Leaving your gear behind, or not keeping an eye on your things and they get stolen.
  • Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for medical emergencies).
  • Some pre-existing conditions, especially those not stable and controlled.
  • Cancelling your trip due to fear of travel or just changing your mind.

This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that may apply. Always read your policy carefully before you buy and make sure it’s right for you and if you have more questions get in touch.

Severed Nerve

I was opening a bag of potatoes with a knife. The knife slipped and cut my finger on my left hand. I attended the local emergency department in Aix-en-Provence at no charge (and was) referred to Clinique Axium the following day. I underwent micro surgery and had two follow up appointments at the Clinique, along with having a specialised splint made to keep my finger in a bent position to enable healing.
Claim paid: NZD $1039.13
T.P. Kiwi in France.

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote 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

Whether you need medical assistance or emergency evacuation, our teams are 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?

Contact the team