Travel Insurance isn't health insurance. Here's why...

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This content is for New Zealand travellers.

Travel Insurance for Health Emergencies.

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 not health insurance policies, 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 overseas medical emergencies. It's not designed to cover ongoing illness or treatment overseas, or any treatment when you get home. 

What does travel insurance cover if I'm sick or injured?

If you’re injured in an accident or suddenly become ill while traveling, you can be covered for overseas emergency medical treatment including:

  • Hospitalisation
  • Day surgery and out-patient treatment
  • Visits to registered medical practitioners
  • Prescribed medicines
  • Ambulances
  • Extra expenses to get you home, if medically necessary

We also have 24 hour multi-lingual 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, and help you navigate local customs. 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:

  • If you've taken drugs or alcohol
  • That rash you picked up while having hostel sex (ah, sorry) 
  • Where you've been acting like an idiot
  • 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)
  • Certain pre-existing medical conditions
  • Ongoing treatment at home

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.

How to get medical assistance for health emergencies.

It’s essential that you get in contact with our emergency 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 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

Cramps and body explosions in India.

I had been sick in India for about a month with ongoing symptoms including diahorrhea, vomiting, stomach cramps, nausea, fever, loss of appetite etc. Once we had arrived in Turkey I had an attack during the night at our Hostel. I was vomiting, had diahorrhea and intense stomach cramping so my boyfriend and I thought it was best to head to a hospital. Due to my condition I could not walk, it was also 2am/3am and we had no other method of getting to a hospital other than arranging for the hospital to send an ambulance to pick me up. Upon arriving at the hospital, the doctors undertook an examination of me and my conditions and due to severe dehydration they gave me a drip to restore my fluids. To find out what the causation of my symptoms were, they conducted tests on my blood and stool. The doctor also prescribed me medication to treat both my symptoms and illness. These included creams and also antibiotics.
Nomad in India.
Claim Paid. $1042.54

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: Unlimited
  • Standard Plan: $3,500
Trip Protection
  • Have you died?
  • Has one of your relos died?
  • Has an earthquake damaged your home?

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 medicine?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transport

We'll get you to hospital in a flash

  • Explorer Plan: Unlimited
  • Standard Plan: $500,000
Evacuation and Repatriation
  • Banged up overseas?
  • Medivac needed home?
  • You died overseas?

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
  • Damaged docs?
  • Passport pilfered?
  • Tech trashed?

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 New Zealand 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
Wherever you are, whatever has happened, our multi-lingual assistance teams are here to help you and your family.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Get a quote

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

World Nomads Travel Insurance was reviewed on Trust Pilot on 1st August 2017 and rated 4 stars

FAQ

Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.