A visit to the hospital shouldn't put your credit card into intensive care
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Broken bones in Mykonos, mystery illness in Madrid and bus accidents in Thailand, we’ve seen it all and know overseas medical travel insurance can literally be a lifesaver.
That’s why our policy is designed to help British travellers when unexpected illness or injury strikes and to get you back on your feet and, ideally, back on the road.
Cover available under this travel insurance policy is in excess of any statutory health insurance, or any available reciprocal health agreements (including your Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC). Where urgent medical assistance is required, contact our 24/7 Emergency Medical Assistance team before incurring medical costs. You must let us know how you are going and keep in contact with our EA team until you no longer require treatment or assistance.
World Nomads travel insurance covers accidents and emergencies when you’re travelling overseas.
If you’re accidentally injured or suddenly become ill while travelling overseas, our 24/7 Emergency Medical Assistance team is on hand to help you. Cover may include:
All our plans include emergency medical cover for travellers who get sick with Coronavirus while travelling overseas, where it is not considered a ‘pre-existing medical condition’ per the definition in the Policy Wording. If you are diagnosed with COVID-19 while overseas your benefits may include:
You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions.
World Nomads policies cover accidents and emergencies only and is not a health / private insurance policy. Cover may apply only if there is a sudden and unexpected accident or illness and for expenses for which there is no reciprocal health agreement in the country in which you are travelling.
If you are travelling to a country where the NHS has a reciprocal healthcare agreement, such as Australia or New Zealand, you will need to apply for reciprocal health cover before you leave the UK.
Though our policy may cover accidents and emergencies, it’s not a catch-all for every incident. Medical conditions or circumstances we don’t cover include:
If things do go wrong contact our 24/7 Emergency Medical Assistance team. They can advise on your cover and get you in contact with medical help as quickly as possible.
The policy isn’t designed to cover everything so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details, so there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
So that's the policy details - why not get a quote and see if it's right for you.
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance team as soon as possible, so that the team can support you from the time you fall sick or get injured until the time you're well again.
So that they can assist you quickly, please be ready with the following:
I was so relieved and grateful to all of the World Nomads team to get insurance cover for my treatment this week whilst I have been sick in Vietnam. Thank you for all your hard work and understanding to manage my complicated case with negotiations and international correspondence. I received a truly professional service from you.
Protect your trip from unexpected cancellation.
We’ve got your back.
Take the pain out of medical costs while traveling abroad.
We’ve got your back.
Expenses included in Emergency Medical limits.
Help starts here.
Cover your lost, stolen or damaged gear and tech.
Help starts here.
You are not eligible to buy a policy if you travel against medical advice, travel with the intention of receiving medical treatment, or have a terminal illness. World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not. You can still purchase a World Nomads policy, but the PEMC exclusion cannot be removed, and you will be responsible for any related costs.
For information on travel insurance providers that offer cover on PEMC, visit Money Helper or call 0800 138 7777.
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.
Wherever you are, we’re here 24/7 to help you in any emergency.
Are you in need of Emergency Medical Assistance right now?
For policies purchased on or after 27 June 2024
+44 (0) 144 444 2021 (Call via an operator reverse charges. Not toll free.)
For policies purchased before 27 June 2024:
Phone: +44 (0) 203 093 1750 (Call via an operator reverse charges. Not toll free.)
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Before your trip, check the latest government advice for any travel alerts for your destination.