Extracted from source documents

World Nomads Travel insurance (Single Trip)

Underwritten by XL Insurance Company SE · Belgium

travel insurance from World Nomads for the Belgium market, with online purchase and 24/7 assistance.

Verified Aug 27, 2026 · Terms dated 2024-06-27Sources

Online purchase24/7 helpline

Unique selling points

Free access to trusted doctors in 78 countries via clinic, hotel or video consults, plus local prescriptions and 24/7 support, all cashless and claimless.

Free airport lounge access to over 1,700 lounges in 140 countries if a flight is delayed 90 minutes or more.

Belgium residents can buy a policy even while already travelling.

Both the Standard and Explorer plans automatically include cover for more than 150 adventure sports and activities at no extra cost.

Coverage limits

Covered

Medical Expenses

Covered

Emergency medical expenses are covered up to €3,500,000 under the Standard Plan; the Explorer Plan provides unlimited cover for hospital charges, prescribed medicines and physiotherapy treatment in hospital, subject to a €70 excess.

Clause 1.1

Section: World Nomads Travel Insurance > Policy Wording > Summary of Cover > Section 1 - Emergency Medical & Dental Expenses Overseas > 1.1 Overseas medical expenses

€3,500,000 Unlimited €70 Section 1 and General Exclusions

Covered

Emergency Medical Treatment

€5M – €10M

Emergency overseas medical treatment falls within the overall medical expenses limit of €5,000,000 (Standard) or €10,000,000 (Explorer).

Section: Is Travel Insurance Mandatory to Travel to Certain Countries? > How does World Nomads travel insurance compare? > Medical emergencies & repatriation

Medical expenses: up to €10,000,000 (Explorer) or €5,000,000 (Standard) coverage for hospital stays, prescribed medicines, and treatment.

Covered

Hospitalization

Covered

Hospitalisation costs are covered within the overall Emergency Medical Expenses limit; no separate sub-limit is stated in the reviewed sources.

Section: Travel Insurance for Overseas Medical | World Nomads EU > What’s covered by overseas medical travel insurance?

Hospitalisation.

Covered

Outpatient Treatment

Covered

Emergency outpatient treatment forms part of the overall medical expenses limit; non-emergency treatment that can wait until return home is excluded.

Section: Single Trip Travel Insurance | World Nomads EU > Exclusions

Non-emergency treatment that can wait until you return home (it's not private health/medical insurance, it's for travel emergencies)

Covered

Emergency Dental

€350 – €600

Emergency dental treatment for sudden pain relief is covered up to €350 (Standard Plan) or €600 (Explorer Plan).

Section: Is Travel Insurance Mandatory to Travel to Certain Countries? > How does World Nomads travel insurance compare? > Medical emergencies & repatriation

Emergency dental: up to €600 (Explorer) or €350 (Standard) for sudden dental issues.

Covered

Medical Transport

Covered

Emergency medical transport and repatriation home is covered when medically necessary and authorised by the emergency assistance team, up to the amount shown in the Summary of Cover.

Clause 1.2

Section: World Nomads Travel Insurance > Policy Wording > What's covered & not covered > Section 1 - Emergency Medical & Dental Expenses Overseas > What's covered

Cover is up to the amount shown in the Summary of Cover and is subject to our emergency assistance team or us , on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that: transportation is medically necessary

Covered

Medical Evacuation

Covered

Medical evacuation and repatriation is covered in all World Nomads policies where medically necessary and the appropriate activity cover has been selected; the specific benefit amount is shown in the Summary of Cover.

Section: Travel Insurance for Medical Evacuation | World Nomads EU > What’s covered

If you've selected the appropriate cover for the activity you're doing and it's medically necessary, there's cover in all of our policies for medical evacuation/repatriation by: Air Ambulance Sea Level Aircraft Ground Ambulance Commercial airline upgrade Commercial airline with medical escort

Covered

Repatriation of Remains

Covered

In the event of sudden and unexpected death overseas, reasonable and necessary funeral expenses or repatriation of remains are covered up to the amount shown in the Summary of Cover.

Clause 1.8

Section: World Nomads Travel Insurance > Policy Wording > What's covered & not covered > Section 1 - Emergency Medical & Dental Expenses Overseas > What's covered

In the event of your sudden and unexpected death overseas , and at the request of your next of kin, cover is available for the reasonable and necessary expenses incurred, up to the amount shown in the Summary of Cover , for: funeral expenses (burial or cremation) overseas ; or transport of your remains home; or cremation overseas and transport of your ashes home .

Search and Rescue

Not established from the reviewed documents

Not found in the reviewed sources.

Conditional

COVID-19 Treatment

Conditional

No limit stated

World Nomads' plans offer cover for some Coronavirus-related medical and travel events, but coverage depends on your country of residence and may vary between plans; no single benefit limit is stated.

Section: What is Travel Insurance, and What's Covered? > What's covered and what's not?

Coverage for some Coronavirus-related events : We offer cover for a number of COVID-19 related events that may disrupt your trip.

Excluded

Pre-existing Conditions

Excluded

Pre-existing medical conditions are excluded per the policy wording terms and conditions, with exceptions for pregnant mothers in some cases; any illness or injury first showing symptoms or diagnosed while in your country of residence is also excluded.

Section: Single Trip Travel Insurance | World Nomads EU > Exclusions

Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).

Conditional

Winter Sports Cover

Conditional

Activities listed in blue are automatically included in both the Standard and Explorer plans; activities listed in orange must be added to the policy at the time of purchase.

Section: Travel Insurance for Europeans | World Nomads EU > We cover 150+ Adventure Activities you love + more

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase.

Conditional

Adventure Sports Cover

Conditional

World Nomads' EU plans cover more than 150 adventure sports and activities; blue-listed activities are automatically included in both plans while orange-listed activities must be added at the time of purchase.

Section: Travel Insurance for Europeans | World Nomads EU > We cover 150+ Adventure Activities you love + more

Blue activities are automatically included in both the Standard and Explorer plans. All sports listed in orange will need to be added to your policy at the time of purchase.

Conditional

Pregnancy Complications

Conditional

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

Section: Single Trip Travel Insurance | World Nomads EU > Exclusions

Pre-existing medical conditions per the policy wording terms and conditions (with exceptions for pregnant mothers in some cases).

Covered

Personal Liability

€700K – €1.8M

Third party compensation and legal costs for accidental bodily injury or property damage are covered up to €700,000 under the Standard Plan or €1,750,000 under the Explorer Plan, subject to a €70 excess; this does not cover third-party liability for mechanical or motorised vehicles.

Clause 7.1

Section: World Nomads Travel Insurance > Policy Wording > Summary of Cover > Section 7 - Personal Liability

7.1 Third party compensation and legal costs €700,00 €1,750,000 €70 Section 7 and General Exclusions

Covered

Legal Assistance

Covered

No limit stated

Legal assistance is not a standalone benefit; reasonable defence costs and other legal expenses incurred settling or defending a liability claim are covered as part of the Personal Liability benefit (Section 7.1), within the same limits as third-party compensation.

Clause 7.1

Section: World Nomads Travel Insurance > Policy Wording > What's covered & not covered > Section 7 - Personal Liability > What's covered

We'll cover your reasoinable defence costs and other legal expenses incurred in settling or defending the claim made against you .

Covered

24/7 Assistance

Covered

24/7 Emergency Medical Assistance Teams of doctors and nurses are available to help travellers who suffer accidents or sickness at any time during the trip, including arranging repatriation.

Section: Travel Insurance for Medical Evacuation | World Nomads EU

Our 24/7 Emergency Medical Assistance Teams , doctors and nurses have seen some horrific accidents and illnesses and have helped thousands of travellers be repatriated home so they can fully recover.

Key conditions

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.

Direct payment

For confirmed emergency medical claims, the 24-hour Emergency Assistance Service deals directly with the hospital and arranges payment of bills; free cashless doctor consultations are also available via clinic, hotel or video in 78 countries.

Territorial scope

Cover applies while traveling outside your country of residence; benefit limits and available plans (Standard/Explorer) may vary depending on country of residence.

Documents

Policy Wording (PDS) (opens in a new tab)

Terms & conditions · PDF

Single Trip Coverage Summary (opens in a new tab)

Table of benefits · PDF

Policy specifics

Adventure Activities Coverage

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

Source

Section: Single Trip Travel Insurance | World Nomads EU > Single Trip cover

We cover more than 150 activities and sports depending on the policy you choose and if it's not on the list, contact us and we'll let you know if we'll cover it.

Emergency Medical Expenses

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

Source

Section: Single Trip Travel Insurance | World Nomads EU > Single Trip cover

Emergency medical expenses abroad

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)

Source

Section: Standard vs Explorer Plans | Get a Travel Insurance Quote > Two plans to choose from

Standard Plan : Includes a range of benefits such as overseas medical, coverage for your belongings, pre-trip cancellation and certain adventure activities.

Baggage and Personal Items

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

Source

Section: Single Trip Travel Insurance | World Nomads EU > Travel Insurance Benefits: how we can take care of you

Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).

Age Eligibility

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

Source

Section: World Nomads Travel Insurance > Policy Wording > How it works > Who is eligible for cover?

To be eligible for cover under this policy, you must be 64 years old or younger at the time your policy is purchased.

72-Hour Waiting Period

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

Source

Section: What is Travel Insurance, and What's Covered? > What travel insurance plans do you offer?

Traveler tip: if you buy a policy while traveling overseas, you must wait 72 hours before any cover is activated.

Maximum Trip Duration

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

Source

Section: What is Travel Insurance, and What's Covered? > What travel insurance plans do you offer?

The maximum trip duration available on a Single Trip policy, including extensions, is 12 months from the start date.

Secondary Medical Coverage

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

Source

Section: World Nomads Travel Insurance Review > FAQ: World Nomads Travel Insurance > Is World Nomads coverage primary or secondary for medical expenses?

Medical coverage is secondary, where your primary health insurer gets billed first, and World Nomads covers what that policy doesn't.

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

Source

Section: World Nomads Travel Insurance > Policy Wording > When cover starts & ends > Returning home early?

If you choose to end your trip early for any reason, we won't reimburse any premium for any unused portion of your policy.

Belgium: Purchase While Travelling

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

Source

Section: Travel Insurance for Europeans | World Nomads EU > Got questions? > We've got the answers

Yes - If you're a resident of Belgium, Denmark, Germany or the Netherlands then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,

Sources

World Nomads Travel insurance

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