What's covered by travel insurance when your adventure turns into misadventure.
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Knowing your cover for accidents overseas is a critical part of planning for any adventure. Whether you’re exploring on the grid or hurtling off it, serious accidents can happen anywhere, anytime.
If you’re injured in an accident, UK residents can be covered for emergency medical treatment including:
Our 24 hour Emergency Medical Assistance team can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility and give support to your family.
This is not a full list of what's covered and what's not covered. There are limits and conditions that apply, so for more information check out our articles on overseas medical coverage and adventure sports coverage, and read your policy carefully before you buy.
It's essential that you get in contact with our 24/7 Emergency Medical Assistance Teams as soon as possible, where you will be admitted as an inpatient for at least one night, so that our teams can support you from the time you get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
I was riding my mountain bike when I hit something and went over my handle bars. I put both hands out and broke my wrists and knocked myself out. I woke up in an ambulance and then went to Whistler Health Care Centre where I had x rays and further treatment.
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Take the pain out of medical costs while traveling abroad.
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Expenses included in Emergency Medical limits.
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Cover your lost, stolen or damaged gear and tech.
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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.