Travel insurance is designed to help customers cover expenses if something unexpected goes wrong before or while on their trip, for certain defined events such as lost, stolen or damaged baggage, cancellation, medical events and more.
The cover we offer:
A customer may currently be in the United Kingdom or already travelling when they buy or extend their policy (see below at: “Can a customer buy travel insurance if already travelling?”).
Travellers pay the insurance company a fee, called a 'premium’, which varies based on where they’re travelling, how long the trip is, the number of travellers, their age(s) and what activities they plan to participate in.
The insurance company agrees to cover costs (up to a certain limit) for events and benefits like emergency medical treatment abroad, damaged or stolen luggage, delayed flights, or non-refundable expenses should the customer have to unexpectedly cancel their trip.
Customers are eligible to purchase a policy if their home address where they live is in the United Kingdom and they are registered with a General Practitioner in the UK. They must be 69 years old or younger at the time they buy or extend their policy.
‘United Kingdom’ means England, Scotland, Wales, and Northern Ireland; it does not include the Channel Islands or the Isle of Man.
‘Home’ is defined as: The address where you live in the United Kingdom and where you are registered with a General Practitioner.
NOTE: We are unable to offer a policy when the traveller:
See “Health Cover Restrictions” in the policy wording for further terms and conditions.
World Nomads offers two plans:
An easy way to see the differences is to refer to the Sales Guide which gives a quick breakdown of benefits available under each plan and the applicable benefit limits, or refer to the policy wording which details the coverage in full.
Yes – World Nomads travel insurance plans offer cover for more than 150 adventure sports and activities. The list of covered activities, along with other helpful information on sports, activities and experiences, is found on our website at: https://www.worldnomads.com/uk/travel-insurance/whats-covered/adventure-sports-and-activities.
Each activity listed has a level of cover. When a customer buys a policy and adds the activities they plan on doing, they will be covered for participating in all activities at that level and all activities in the levels below.
(1) Level 1 (lowest level)
(2) Level 2
(3) Level 3
(4) Level 4
Note: Some activities have special conditions and specific exclusions. Customers should always check the list of covered activities and policy wording for full details.
With a World Nomads policy, customers can buy cover anytime, anywhere. Plus, if they decide to stay somewhere longer or want to change direction on a whim, World Nomads are happy to extend their policy (Single Trip policies only) as long they meet all eligibility criteria and it’s extended before 11.59pm UK time on the end date shown on their Certificate of Insurance.
Please note, if a policy is purchased after a customer has already left home, a 72-hour waiting period applies before cover becomes available.
All World Nomads Travel Insurance policies are subject to a 21-day ‘cooling-off period’ within which a customer may cancel their policy without any penalty. Outside of this period, if a customer wants to cancel their policy, they can contact World Nomads. A premium refund may only be provided at the insurer’s discretion and in exceptional circumstances.
UK residents have up to 21 calendar days from when we issue their Certificate of Insurance and policy wording and before the policy Start Date to cancel their policy. This is called their cooling-off period.
If they choose to cancel their policy within the cooling-off period, we will refund their premium in full, provided that:
A customer may cancel their policy within the cooling-off period and before the Start Date on the policy by signing into their World Nomads membership or by contacting the Customer Service team.
Outside of the Cooling-Off Period
Outside of the cooling-off period, when the policy has not started, the insured has not travelled, and no claim is being made:
Single Trip policies:
Annual Multi-Trip policies:
Refer all enquiries to World Nomads’ Customer Service team.
World Nomads do not cover claims or expenses arising from a customer’s pre-existing medical conditions.
Customers will ultimately be liable to pay for all expenses incurred as a result of a pre-existing medical condition, which can be prohibitive in some countries.
Also, we are unable to offer a policy to a traveller who:
Refer to the section “Health Cover Restrictions” in the policy wording for further terms and conditions.
Changes in health after a policy is purchased
If a traveller experiences a change in health after buying a policy, such as a new or increased medication, any referral for tests or a specialist appointment, if they have received or are awaiting results of tests/investigations or a new diagnosis/course of treatment, they will need to be able to provide medical confirmation from their General Practitioner that they were fit to travel in the event of a claim.
Annual Multi-Trip policy – additional terms:
If after purchasing a policy they experience a change in health, the ‘pre-existing medical condition’ definition applies each time they book a new trip. If the change in health is considered a pre-existing medical condition at the time of booking the trip, there is no cover for any claim arising from that condition.
See “Health Cover Restrictions” in the policy wording for further terms and conditions.
Health of others
If a customer has to cancel their trip due to the poor health of an immediate relative, travelling companion or a person they are planning to stay with, we’ll require that a medical practitioner confirmed in writing that when the policy was bought or the trip was booked:
Absolutely. If the customer has checked their eligibility under “Health Cover Restrictions”, and if their pre-existing medical condition is not covered but they’re not concerned about covering it, they can still buy a World Nomads travel insurance policy. It’s important to make it clear to them, though, that any claim made in relation to their pre-existing condition will not be covered.
In most instances, for travellers with pre-existing medical conditions, our policies may still cover 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: