World Nomads Travel insurance (World Nomads Single Trip)

Maximum Trip Duration

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

Section: Important Information > What is covered?

the dates shown on your Certificate of Insurance up to a maximum of 550 days.

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)

Section: Other factors to consider when choosing a travel insurance policy:

Pre-existing medical conditions are not covered under either Annual Multi-Trip or Single Trip insurance policies. A pre-existing medical condition is defined as any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last).

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

Section: Important Information > Who is covered?

You must be 64 years old or younger at the time you buy or extend this policy. Cover will not be issued once you have reached 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

Section: Important Information > What is covered?

trips within the Geographical Region as shown on your Certificate of Insurance. You must observe travel advice provided by the Department of Foreign Affairs* and the World Health Organisation).

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

Section: Important Information > Who is covered?

a resident of Ireland for a trip outside Ireland . You must be residing in Ireland and have unrestricted right of entry to Ireland .

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

Section: Important Information > When cover starts and ends > Returning home early

If you end your trip early for any reason, there is no refund for any unused part of your 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

Section: Important Information > When cover starts and ends > Returning home early

Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.

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

Section: Sections of cover > Section 1: Cancellation

Cancellation cover under this section is only available before you leave home . If the policy is purchased after you have left Ireland , there is no cover provided for Cancellation of your trip under this section.

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

Section: Sections of cover > Section 4: Emergency Medical Expenses

outpatient physiotherapy treatment will be limited to the amount shown on the 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

Section: Sections of cover > Section 4: Emergency Medical Expenses > Not Covered

the cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests, treatment or surgery which are not directly related to the injury, which necessitated your admittance to hospital;

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

Section: Sections of cover > Section 1: Cancellation

providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance

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

Section: Sections of cover > Section 10: Travel Delay & Abandonment (Explorer Cover Only)

If the public transport on which you are booked to travel is cancelled or delayed, leading to your arrival at your overseas destination being delayed for more than 12 hours or your return journey to your home being delayed for more than 12 hours.

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

Section: Sections of cover > Section 2: Curtailment

If you have selected Explorer Cover this section is extended to cover you if you have to curtail your trip as a result of the Department of Foreign Affairs the World Health Organisation (WHO) or similar body recommending evacuation from the country or specific area in which you are travelling

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

Section: We cover more than 150 activities you love + more

Not all activities, sports, and experiences are automatically covered. You may have to upgrade the sorting level to receive the cover you require for the activities you plan to do, by paying an additional premium.