World Nomads Group Pty Ltd (trading as World Nomads); European policies distributed by nib Travel Services Europe Limited and underwritten by Collinson Insurance Europe Limited

Assistance call deadline

You or someone acting on your behalf must contact the emergency assistance team as soon as reasonably possible when medical repatriation or evacuation needs to be considered, and before committing to additional expenses.

Unauthorized treatment

If you don't contact the emergency assistance team as required, you may not be fully reimbursed for your expenses; if you decline to follow their advice, subsequent medical, hospital or evacuation expenses relating to that condition will not be covered.

Purchase while abroad

Residents of Belgium, Denmark, Germany or the Netherlands may buy a policy while already travelling, although waiting periods and limitations apply, including a 72-hour waiting period before cover starts.

Chronic conditions

The reviewed EU policy documentation does not provide a chronic disease clause separate from the general pre-existing medical conditions exclusion.

Pregnancy

Pre-existing medical conditions are excluded under the policy, but exceptions may apply for pregnant mothers in some cases per the policy wording terms and conditions.

Pre-existing condition exclusions

Pre-existing medical conditions are excluded from cover under the policy wording terms and conditions, and any illness or injury that first shows symptoms, is diagnosed or is treated while in your country of residence is also excluded.

Coverage duration limit

The EU-specific policy documentation reviewed does not state a specific maximum trip duration figure; refer to the full policy wording for exact limits.

Adventure Activities Coverage

Standard Plan covers 250+ adventure activities automatically included with no additional cost

Emergency Medical Expenses

Overseas medical coverage including hospital bills, doctor visits, emergency medical evacuation and repatriation

Trip Cancellation and Interruption

Pre-trip cancellation and trip interruption coverage with fixed benefit limits (Standard Plan: EUR 4,000 or equivalent USD/local currency)

Baggage and Personal Items

Coverage for loss, theft or damage of bags, tech and gear, with per-item limits

Age Eligibility

Coverage available only to individuals between 18 and 69 years of age at time of purchase or renewal

72-Hour Waiting Period

If policy is purchased while already travelling, a 72-hour waiting period applies before any cover is activated

Maximum Trip Duration

Single Trip policies have maximum duration of 12 months from start date, including any extensions

Secondary Medical Coverage

Medical coverage functions as secondary insurance; primary health insurer must be billed first, World Nomads reimburses remaining balance

No Refund for Unused Portion

If trip ends early or policy is terminated before expiry date, no refund is provided for any unused portion of the policy

Belgium: Purchase While Travelling

Belgium residents can purchase policies while already travelling, though waiting periods and limitations may apply