Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.
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For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
We do not offer a policy under the following circumstances:
Having a pre-existing medical condition isn't a reason to stop travelling, but it can affect your travel insurance and what you’re covered for. Whether you're travelling off the grid or blogging in it, it's best to know if we can cover your pre-existing medical condition before your travel, so you're not caught unaware.
A pre-existing medical condition is any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last).
It’s important that you read your policy wording and its specific definition of 'pre-existing medical condition' and determine if the cover offered will meet your needs.
In addition, if you took out cover after you left home, there is a waiting period of 72 hours before the insurance takes effect. Any illness or injury that occurs before or during this waiting period may be considered a pre-existing medical condition for the remaining period of your insurance.
If you have a change in health after policy purchase, you will need to provide medical confirmation from your General Practitioner that you were fit to travel, should you later need to claim.
Our policies do not cover pre-existing medical conditions, but they still offer cover for many events that can take place while on the road, as long as the event is not as a result of the pre-existing medical condition(s). This includes cover for:
Our policies may also cover your cancellation expenses if, after you’ve purchased the policy and before you've started your trip, you or someone else on whom your trip depends suffers a serious illness or injury which is not a pre-existing medical condition.
It can be if hospital admission is required.
To find out more about Coronavirus (COVID-19) coverage for your Country of Residence, select your Country in the top left hand corner of this screen. Or to read more about what cover applies to you, read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:
This isn't a full list of what's covered and not covered. There are item limits, conditions and exclusions that apply, so for more information check out our article on pre-existing medical conditions and read your policy wording carefully before you buy. If you’re not sure if something is covered get in touch.
If your pre-existing medical condition isn't covered (as explained in your policy wording) and you're not worried about covering it, you can still purchase a policy online through World Nomads. Just be aware there's no cover for any claim made as a result of it.
I realized I had forgotten a medication (clonazepam) which I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.
Protect your hard earned vacation from unexpected cancellation before you leave home.
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.
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
Help starts here.
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |