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  1. World Nomads
  2. Au
  3. Travel Insurance
  4. Whats Covered
  5. Travel Accidents

Travel Insurance for Overseas Accidents

What's covered by travel insurance when your adventure turns into misadventure.

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For information relating to policies purchased prior to 03 February 2022, please check the PDS provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 03 February 2022 please see below.

Cover for accidents overseas is a critical part of planning for any adventure. Whether you’re exploring on the map or hurtling off it, serious accidents can happen anywhere, anytime.

What’s covered by World Nomads travel insurance if I have an accident overseas?

If you’re injured in an accident, you can be covered for emergency medical treatment including:

  • Hospitalisation.
  • Day surgery and out-patient treatment.
  • Visits to registered medical practitioners.
  • Prescribed medicines.
  • Medical evacuation including air ambulance.

We also have 24/7 Emergency Assistance teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, and give support to your family. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.

Depending on your policy and your country of residence, there are limitations – doing a bit of research on where you’re going will help you pick the right policy.

What’s not covered?

  • If you’re intoxicated as a result of taking drugs or drinking alcohol.
  • If you’re doing an activity the policy doesn’t cover.
  • If you’ve been acting recklessly and taking needless risks.
  • If you ride a motorbike without a helmet or the correct licence.

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.

This is only a summary of cover and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your PDS in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover, please contact us for help.

Emergency Assistance for travel accidents

It’s essential that you get in contact with our 24/7 Emergency Assistance Teams as soon as possible, so that our teams can support you from the time you fall sick or get injured until the time you get home.

So that our Emergency Assistance teams can assist you quickly, please be ready with the following:

  • Your policy number
  • A contact number for where you are now
  • The nature of your problem
  • Your location

Moped Accident in Koh Tao.

I was injured in Koh Tao, Thailand in a moped accident. The moped turned over onto my foot and a sprained/injured ligaments and tendons in my left foot. I am unable to walk on my foot at all. The doctor gave me a foot in lieu of a cast, and crutches stating that I could not bear any weight on my foot for a minimum of 3 weeks. I was also told to rest my foot, and could not do so while traveling and needed to come back to the US for help getting around as well as time to heal.
C.Halstead. American in Thailand.
Claim Paid: $620.22

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

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 meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital lickety-split

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

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

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 Australian residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the policy documents for full details.

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?

Phone: +61 2 8263 0470 or Phone: +61 2 8292 1470 (reverse charges via an operator from anywhere in the world)

Contact the team

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travelers, for travelers. See why over 3 million travelers have chosen World Nomads for more than 20 years.

FAQ

Here are our most frequently asked questions about travel accidents and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.