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 cover for COVID-19 related events
So, you want to start planning your next trip... but you're worried about COVID-19 and if your travel insurance will cover your expenses if you catch it. It’s smart to be prepared and taking the time to make sure you've got the travel insurance coverage you think you might need is always a good idea.
How World Nomads travel insurance for COVID-19 works
The level of COVID-19 cover depends on where you’re from and which plan you select. We have two plans, Standard and Explorer, and the level of cover and benefit limits vary depending on which you purchase.
At a glance
- Overseas medical expenses and evacuation: On both Standard and Explorer plans, we cover emergency overseas medical assistance, medically necessary evacuation, and repatriation if you get sick or die from Coronavirus (COVID-19) while travelling overseas.
- Cancellation / curtailment costs: On both Standard and Explorer Plan, we also offer cover for some additional costs associated with some COVID-19 related events. Travel insurance isn’t designed to cover everything, so read your policy carefully and make sure you know what’s covered and what’s not before you buy.
What’s covered
As our plans vary, check carefully the level of cover you think you might need, and purchase the right level of cover for you and your travel plans. If you, your friends or your family you’re travelling with get sick with COVID-19 while on the road, our travel insurance may help you with:
On the Standard and Explorer Plan, we cover your emergency overseas medical expenses which include:
• Hospitalisation
• Prescribed medication
• Doctor’s visits
• Repatriation to your home if deemed medically necessary; and
• If the worst happens - repatriation of your remains or local cremation or funeral overseas and when necessary, costs for your next of kin to travel with your remains.
It's important to note you need to contact our Emergency Medical Assistance team before making any plans, regardless of whether you’re already receiving treatment and what your treating doctor says. They can guide you to appropriate local medical facilities, and help set up direct payments so you’re not out of pocket. Their network has a global reach, so wherever you are, they can help.
We also cover:
In addition to the emergency overseas medical and evacuation cover, we offer cover for some COVID-19 related events up to the respective benefit limits for the following (but not limited to):
Cancellation costs: You may be able to claim for cancellation costs, up to the benefit limits, if you have to cancel your trip because:
- You or a member of your travelling party are certified as to ill to travel with COVID-19 by a medical practitioner; or
- An immediate relative back home is hospitalised or dies due to COVID-19;
- If you’re a certified medical practitioner, member of the armed forces, police or fire service and your pre-arranged leave is cancelled by the employer, we’ll pay the non-refundable portion of your pre-paid travel arrangements (Pre Trip cancellation only).
There are terms, conditions, exclusions and limitations relating to all these scenarios, and you will be required to provide us relevant proof such as medical diagnoses, receipts and other written confirmation of any compensation that has been offered to you or denied.
Exclusions
- The purchasing of a policy, or making travel arrangements after you become aware of circumstances that may impact your travel plans;
- Ignoring your doctor’s advice;
- A change of mind, disinclination or reluctance to travel, including if you’re fit to travel;
- Travelling to, planning to travel to, or choosing to remain in a country or region that has a warning against 'All Travel' issued by the Foreign, Commonwealth & Development Office (FCDO);
- If a pre-existing condition causes your death or illness;
- If you refuse repatriation, we will limit our cover for that condition to what it would have cost to come home. After that, your medical and related costs will be coming out of your own pocket;
- Any exclusions in the Section Exclusions and any other exclusions listed in the policy.
This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that apply, so for more information, read your policy carefully before you buy and if you’ve still got a question, get in touch.
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Before your trip, check the latest government advice for any travel alerts for your destination.