World Nomads Travel insurance (Travel Medical Standard Explorer)
Underwritten by World Nomads (underwritten by XL Insurance Company SE) · France
travel insurance from World Nomads for the France market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026Sources
Key facts
- Personal liability up to €700,000 – €1,750,000
Unique selling points
You can buy or extend a policy online even while you are already travelling outside your country of residence.
Cover extends to travelling, working, volunteering or studying overseas, not just standard leisure trips.
More than 150 adventure sports and activities can be covered, including volunteering and working activities.
A single family policy can cover two adults and up to eight dependents.
The 24/7 Emergency Assistance team can set up direct payment to medical facilities so travelers don't have to pay upfront.
Coverage limits
Overseas Medical & Dental Expenses
Covered
Emergency medical treatment overseas is covered up to €3,500,000 on the Standard Plan and is unlimited on the Explorer Plan, subject to a €70 excess per person per insured event.
Section: Summary of Cover > Section 1 - Emergency Medical & Dental Expenses Overseas
€3,500,000 Unlimited €70 Section 1 and General Exclusions
Emergency Medical Treatment
Covered
Cover applies if there is a sudden and unexpected accident or illness during the trip; this is accident and emergency cover only, not a private health insurance policy.
Section: Health conditions & your policy
This is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.
Hospitalization
Covered
No limit stated
Hospitalisation is referenced as a covered emergency event requiring contact with the 24-hour Emergency Assistance Service, subject to policy limits.
Section: Sections of cover > Section 4: Emergency Medical Expenses
If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the 24 hour Emergency Medical Assistance Service must be notified immediately.
Outpatient Treatment
Covered
No limit stated
Covered as part of overseas medical expenses, though no specific outpatient sub-limit was found for the France-resident product.
Section: What's covered & not covered > Section 1 - Emergency Medical & Dental Expenses Overseas > What's covered
day surgery or outpatient treatment;
Emergency Dental
Covered
No limit stated
Emergency dental expenses are covered alongside overseas medical expenses, up to policy limits varying by plan.
Section: What's covered & not covered > Section 1 - Emergency Medical & Dental Expenses Overseas > What's covered
We'll pay for emergency dental treatment overseas which the dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain.
Medical Transport
Covered
No limit stated
Transport to appropriate medical facilities is arranged by the Emergency Assistance team when medically necessary.
Section: What's covered by overseas medical travel insurance?
Ambulances and medical transport, including by helicopter if medically necessary and available.
Medical Evacuation and Repatriation
Covered
No limit stated
Emergency medical evacuation and repatriation to the country of residence for ongoing treatment is covered, subject to approval by World Nomads and the attending medical practitioner.
Section: What's covered by overseas medical travel insurance?
Transport back to your country of residence if we deem it medically necessary.
Repatriation of Remains
€10K
Local funeral expenses or repatriation of remains are covered up to €10,000 on both the Standard and Explorer Plans, with no excess.
Section: Summary of Cover > Section 1 - Emergency Medical & Dental Expenses Overseas
1.8 Local funeral expenses or repatriation of remains €10,000 €10,000 Nil Section 1 and General Exclusions
Search and Rescue
Not established from the reviewed documents
Not found in the sources checked for this product.
COVID-19 Treatment
Conditional
No limit stated
Depending on country of residence, plans may include emergency medical cover for travelers who fall sick with Coronavirus while abroad, excluding pre-existing conditions.
Section: Am I covered for COVID-19 while overseas?
Depending on your country of residence, our plans include emergency medical cover for travellers who get sick with Coronavirus while abroad (excluding pre-existing medical conditions, as outlined in the policy wording).
Pre-existing Medical Conditions
Excluded
The policy excludes cover for pre-existing medical conditions of the traveler, travelling party and close relatives which exist before the policy is purchased or extended.
Section: In a nutshell > 5 key things you need to know
This policy excludes cover for pre-existing medical conditions of you , your travelling party and close relatives and any other person upon whom your trip depends, which exist before you buy this policy, and in any new insurance period after you extend this policy.
Winter Sports Cover
Conditional
No limit stated
Winter sports and adventure activities are covered as part of the broader adventure activities benefit, with coverage depending on the specific activity and plan (Standard or Explorer) and adherence to safety terms.
Section: Winter Travel
our travel insurance can cover you for more than 150 adventures, snow and winter sports activities , medical emergencies and even extended stays if you are enjoying your winter escape to France too much.
Adventure Activities Coverage
Conditional
More than 150 adventure sports and activities are covered with different coverage levels and conditions; some activities require specific safety gear or licensed guides and are categorized by level.
Section: Getting the most out of activities cover
Some activities may require you to use specific safety gear or to be accompanied by a licensed guide, so check your policy for any conditions.
Pregnancy Complications
No limit stated
General marketing material states policies can help cover pregnancy-related emergencies, but this was not confirmed in the France-resident policy wording checked.
Section: Families
Our policies can help cover for medical emergency, pregnancy and Covid, trip interruption and also provide 24/7 worldwide emergency assistance .
Personal Liability
€700K – €1.8M
Third-party compensation and legal costs are covered up to €700,000 on the Standard Plan or €1,750,000 on the Explorer Plan, subject to a €70 excess; a sub-limit of €7,000 applies for rented holiday accommodation.
Section: 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 > Rented holiday accommodation €7,000 €7,000 €70 Section 7 and General Exclusions
Legal Assistance
No limit stated
Not found as a distinct monetary benefit; marketing text only mentions general help finding a lawyer, not covered legal costs.
Section: What does travel insurance not cover?
Anything illegal (we can't bail you out or pay for your lawyer, but we might be able to help you find a lawyer that speaks your language).
24/7 Emergency Assistance
Covered
Policyholders have access to an Emergency Assistance team available 24/7 who can help find nearest medical centers, arrange emergency evacuation and set up direct payments to medical facilities.
Section: What is overseas medical cover?
Having a policy with World Nomads also means you have access to our Emergency Assistance team , who are here to support you 24/7. They can help you find the nearest medical centre, and if it's more serious they can arrange for an emergency evacuation, and set up direct payments to the medical facility if needed
Key conditions
Assistance call deadline
You must contact the 24-hour Emergency Assistance Service as soon as possible in the event of serious injury, illness or hospitalisation, or immediately if repatriation has to be considered.
Unauthorized treatment
If you don't contact the emergency assistance team as required, you may not be fully reimbursed for your expenses or for any evacuation or airfares not approved or arranged by them.
Purchase while abroad
You can buy this policy online while already travelling outside your country of residence, but cover only starts after a 72-hour waiting period.
SourceSection: Policy excess & waiting periods > Waiting periods
If you buy a policy while travelling overseas, you have to wait 72 hours before any cover is activated, as explained in when cover starts & ends .
Pre-existing condition exclusions
This policy excludes cover for pre-existing medical conditions of you, your travelling party and close relatives which exist before you buy or extend the policy, unless specifically stated as covered in the policy wording.
Direct payment
The 24/7 Emergency Assistance team can arrange direct payment to medical facilities where needed, so the traveler can focus on recovery rather than paying upfront.
Territorial scope
Cover applies while travelling outside your country of residence; certain incidents occurring in your home country are not covered
Documents
Policy specifics
Overseas Medical & Dental Expenses
Coverage for emergency medical treatment, hospitalization, and dental expenses for sudden illness or injury while traveling abroad
SourceMedical Evacuation and Repatriation
Coverage for emergency medical evacuation if needed and repatriation to country of residence for ongoing treatment
SourceSection: Travel Insurance Benefits: how we can take care of you
Evacuation and Repatriation Banged up abroad? Need a hospital urgently? Medivac home? Help starts here.
Trip Cancellation
Reimbursement of non-refundable trip expenses if you need to cancel due to covered reasons (sudden illness, injury, family emergency)
SourceBaggage Loss, Theft and Damage
Coverage for lost, stolen, or damaged baggage and personal effects during travel
SourceSection: Baggage and personal effects theft
All World Nomads travel insurance plans have some coverage for theft, or if a carrier has lost your checked in luggage, depending on your Country of Residence and your chosen plan.
Adventure Activities Coverage
Coverage for more than 150 adventure sports and activities with different coverage levels and conditions
SourceSection: Going on an outdoor adventure?
World Nomads travel insurance policies are built for adventure, and our policies can cover more than 150 activities, sports and experiences including cross-country and alpine skiing , hiking and mountain biking .
Country of Residence Eligibility
Coverage terms, benefits, and limits vary significantly depending on the policyholder's country of residence; must be selected at time of purchase
SourceAge Eligibility
Maximum age requirement for policy purchase; must be 64 years old or younger at time of policy purchase
SourceSection: In a nutshell > 5 key things you need to know > 1. Buying this policy
You can buy this policy to travel overseas , if you will be 64 years old or younger at the time you buy or extend your policy,
Medical Repatriation Agreement
Policyholder must agree to be repatriated to country of residence in medical emergency; insurer may have option to determine repatriation route
SourceSection: In a nutshell > 5 key things you need to know > 1. Buying this policy
if you agree to be repatriated to your country of residence in a medical emergency.
Pre-existing Medical Conditions
Pre-existing medical conditions may not be covered unless specifically stated as covered in policy wording; depends on country of residence
SourceSection: Medical emergencies
All World Nomads policies offer some cover for overseas medical , and you can make a claim for reimbursement for these medical expenses (less any excess, which may apply), even if you're still traveling.
Travel Warning Exclusion
No cover if you travel to destination with 'Do Not Travel' warning from your home country's government body
SourceCooling-Off Period
14-day period from policy issue to cancel policy for full refund if policy not yet in effect and no claim intended
SourceSection: In a nutshell > 5 key things you need to know > 1. Buying this policy
You have up to 14 days from the time you're issued your Certificate of Insurance and policy wording to decide if this policy is right for you and cancel your policy (this is your cooling-off period);
Emergency Assistance Requirement
For urgent medical situations, must contact 24/7 Emergency Assistance Team before incurring medical costs where possible to enable direct payment arrangements
SourceSection: How to get medical assistance
It's essential that you get in contact with our 24/7 Emergency Medical Assistance Team as soon as you are aware that you will be admitted as an inpatient for at least one night so that the team can support you.
Sources
- worldnomads.comhttps://www.worldnomads.com/Document/OpenInsuranceRegulatoryWording?ContentTypeId=3&PlanId=7&RegulatoryWordingTypeId=1(opens in a new tab)
- worldnomads.comhttps://www.worldnomads.com/eu/travel-insurance/whats-covered/overseas-medical(opens in a new tab)
- worldnomads.comhttps://www.worldnomads.com/row/travel-insurance/destinations/france(opens in a new tab)
- worldnomads.comhttps://www.worldnomads.com/travel-insurance/compare-travel-insurance(opens in a new tab)
- worldnomads.comhttps://www.worldnomads.com/travel-insurance/destinations/france(opens in a new tab)
- worldnomads.comhttps://www.worldnomads.com/travel-insurance/policy-documents(opens in a new tab)
World Nomads Travel insurance