Travel Insurance for Health Emergencies
Find out why travel insurance isn't health insurance and learn the difference.
- As featured in:
As featured in:
Travel Insurance for Health Emergencies
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.
Travel insurance is there to help you when you need it most. If you've been involved in an accident or you've fallen ill and need medical care, our travel insurance policies can help patch you up and get you back on the road.
Just keep in mind that our policies are travel insurance policies. They are not private health insurance policies nor do they offer any statutory health cover; and most policies don't cover pre-existing medical conditions. Make sure you read through your policy carefully to see how you can be covered.
So this isn't a health insurance plan?
No, it's a travel insurance policy. It's there for sudden medical emergencies while you're travelling abroad. It's not designed to cover ongoing illness, injuries or medical treatment you were receiving when you started your trip; routine or elective treatment or surgery; or any treatment in your country of residence.
What does travel insurance cover if I'm sick or injured?
If you’re injured in an accident or suddenly become ill while travelling, you can be covered for emergency medical treatment including:
- Hospitalisation
- Day surgery and out-patient treatment
- Visits to registered medical practitioners
- Ambulance transport
- Extra expenses to get you home, if medically necessary
We also have 24 hour Emergency Medical Assistance Teams who can guide you to the nearest hospital, arrange medical transport, set up direct payments to the medical facility, 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.
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
- Injuries or illness from misuse of drugs or alcohol.
- Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act.
- Non-emergency treatment that can wait until you return home (that's what your health insurance or national health coverage at home is designed to do)
- Pre-existing medical conditions (as explained in your policy wording)
- Ongoing treatment at home
This is not a full list of what's covered and what's not covered. There are terms, conditions, limitations and exclusions in the policy wording 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.
How to get medical assistance for health emergencies.
It’s essential that you get in contact with our 24/7 Emergency Medical Assistance Teams as soon as possible, so that our teams can support you from the time your fall sick of get injured until the time you get home.
So that our Emergency Medical 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
Swollen Penis.
I noticed an abnormal inflammation of my penis. Initially I had also a little bit pain and I got scared. In the evening the pain and the itch were gone but I still was worried. Therefore I went to the Hospital.
Claim Paid. €289
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
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 |
For policies purchased before 27 June 2024
| 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 |
FAQ
Here are our most frequently asked questions about travel health coverage. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
-
Will I need medical records if I need to claim?
Yes. The team will ask for medical records before processing any medical claim.
-
Does it matter if my receipts are in another language?
You can submit your claim with the receipts in another language. If the claims examiner requires you to translate it, they'll let you know.
-
Is there an excess?
Most policies have an excess, generally €100. So it's a good idea to check your policy.