nib Travel Services Europe Limited (trading as World Nomads)

Assistance call deadline

The 24-hour Emergency Assistance Service must be notified immediately if admitted to hospital as an in-patient, requiring ongoing outpatient treatment, or where repatriation must be considered; authorisation must be obtained before cutting the trip short

Unauthorized treatment

If the insured refuses to follow the recommendations of the emergency assistance team or refuses to return home for treatment when declared fit to travel, payment may be limited to the amount that would have been assessed had the recommendations been followed, and the insured becomes responsible for ongoing or additional costs

Purchase while abroad

Policies can be purchased online even while already travelling outside the country of residence, but Cancellation cover under Section 1 is only available if the policy is purchased before leaving Ireland

Chronic conditions

Chronic conditions fall under the pre-existing medical condition exclusion, defined as any medical or dental condition requiring medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before purchase or trip booking, whichever is later

Pregnancy

Cover may apply for pregnancy-related complications if the traveller is confirmed fit to travel and not beyond 28 weeks pregnant (24 weeks for multiples); no cover for routine pregnancy or childbirth costs, or for costs from 12 weeks before to 12 weeks after the estimated delivery date

Pre-existing condition exclusions

Pre-existing medical conditions are not covered under Single Trip policies; defined as any medical or dental condition requiring medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before purchase or trip booking, whichever is latest

Coverage duration limit

Single Trip policies allow cover up to a maximum of 365 days from purchase, extendable before expiry, with a total policy period including extensions not exceeding 550 days

Maximum Trip Duration

Single Trip policies allow coverage up to a maximum of 365 days from purchase, with possibility to extend before expiry

Pre-existing Medical Conditions Exclusion

Pre-existing medical conditions are not covered under Single Trip insurance policies, defined as any medical or dental condition requiring medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before purchase or trip booking (whichever is latest)

Age Eligibility Requirement

Insured persons must be 64 years old or younger at the time of policy purchase or extension; no cover is issued once person reaches 65 years of age

Geographical Region Restriction

Coverage is limited to trips within the Geographical Region specified on the Certificate of Insurance; traveller must observe Department of Foreign Affairs and WHO travel advice

Ireland Residency Requirement

Insured must be either an Irish Citizen or a resident of Ireland with unrestricted right of entry to Ireland at time of policy purchase; cover is for trips outside Ireland only

No Refund for Early Trip Termination

If insured ends trip early for any reason, there is no refund for any unused part of the policy

One-Way Ticket Restriction

For travellers on one-way tickets, policy does not reimburse expenses normally covered by return ticket; without original return ticket, early return costs are not reimbursed

Cancellation Cover Timing Restriction

Cancellation cover only available if policy is purchased before leaving Ireland; if policy purchased after leaving Ireland, no Cancellation cover provided

24-Hour Emergency Medical Assistance Service

Medical expenses must be medically necessary and agreed by insurer; emergency medical assistance service must authorize expenses for reimbursement; outpatient physiotherapy limited to amount shown on Summary of Cover

Medical Treatment Exclusions

Costs not covered include: routine or elective (non-emergency) treatment or surgery; specialist review/referral/exploratory tests not directly related to injury requiring hospital admission; additional hospital costs for single or private room unless medically necessary; health spa, convalescent or nursing home treatment; any costs within Ireland or after return home

Trip Cancellation Claim Requirements

Cancellation must be necessary and unavoidable (not from mere disinclination to travel) due to: injury, serious illness, death of insured/travelling companion/immediate relative/close business associate; jury service; attending court as witness; redundancy; home/business made uninhabitable within 14 days of travel; police theft report within 14 days of travel

Travel Delay Coverage

Public transport on which insured is booked is cancelled or delayed, leading to arrival at overseas destination delayed more than 12 hours or return journey delayed more than 12 hours; coverage for reasonable additional travel or accommodation expenses over and above normal trip costs

Trip Interruption and Evacuation (Explorer Cover)

Explorer Cover extends to curtailment due to Department of Foreign Affairs, WHO or similar body recommending evacuation from country/specific area; directive must come into force after insurance purchase and after leaving Ireland

Activity Coverage Levels and Upgrades

World Nomads covers more than 150 adventure sports and activities; not all activities automatically covered under all plans; some activities like rock climbing (outdoor) require insurance upgrade and additional premium payment

Manual Work Coverage Requirement

Trips including manual work require specific policy upgrade and payment of additional premium as detailed in Section 17 of policy