5 key things you need to know

Summary of Cover

World Nomads, through your insurer, offers you a choice between a Standard Plan and an Explorer Plan, with different benefits, limits and sub-limits for each plan.

The table below is only a summary of the cover we provide. You should read each policy section for a full description of the coverage, terms, conditions and exclusions that apply. You should also read the General Exclusions which are applicable to all sections of this policy.

The benefit limits and sub-limits shown are the maximum amounts payable per person insured for events occurring within the insurance cover period.

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. The country you select as your country of residence is the country where you:

• are a citizen or legal resident; and

• have unrestricted right of entry; and

• have access to long-term medical care, particularly should you require a medical repatriation under this policy; and

• have your residential address as shown on your Certificate of Insurance.

Please note that in the event of a medical repatriation, we have the option to return you to your country of residence to reduce our costs, and your cover under this policy will cease on arrival (subject to Section 2.4 Trip resumption, where applicable).

One of the travelling adults must be the legal guardian of the accompanying dependents insured on the same policy. There is a maximum of 2 adults per policy and 8 dependents that can be insured per policy. To insure more than 2 adults or more than 8 dependents, additional policies must be purchased.

Cover is only available for a trip outside your country of residence, but you may be anywhere when you buy or extend this policy.

Only those people named on your Certificate of Insurance are covered by your policy; however, the personal circumstances of your travelling party or close relatives may affect what you can and cannot claim, such as when your trip is impacted by someone’s pre-existing medical condition.

You should carefully read this policy wording, including the section Health conditions & your policy, to understand the special conditions relating to people not named on your Certificate of Insurance.

Policy excess & waiting periods

An excess and/or waiting period applies for certain claims related to a single event as shown in the Summary of Cover and described in each section of What’s covered & not covered.

When cover starts & ends

If you are eligible for cover, the policy is only valid once the premium is paid and we issue you a Certificate of Insurance.

Coverage is activated depending on where you are when you buy or extend the policy, the date of purchase, the date you choose the cover to start (start date), the date your trip actually starts and the date you choose your cover to end (end date).

Health conditions & your policy

This travel insurance only provides medical cover for emergency medical events that occur overseas and that are sudden and unforeseen.

Carefully consider your medical history, as well as the health of your close relatives, others in your travelling party and anyone you rely on for your trip, as your and their conditions (past or present) may affect your trip and your cover.

Section 1 - Emergency Medical & Dental Expenses Overseas

This section details the cover provided if you suffer an illness or injury and treatment is certified as medically necessary by an authorised medical practitioner overseas and agreed by us, subject to the terms of this policy wording.

Note: This policy provides 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 and you are injured or if you become ill during a trip. We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence between the governments of your country of residence and the country in which you receive treatment and no public service is available. We also reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate or to repatriate you back to your country of residence.

Note: If the government of your country of residence has a reciprocal health care agreement with the government of the country you are travelling in, you may have to enrol to be eligible for reciprocal health care. Check the applicable government travel advisory and/or health advice for details.

Section 2 - Cancellation & Interruption

This section details the cover provided if, following specific Insured Events listed below in this Section 2, you have no option but to either cancel your entire trip before you leave home or interrupt or curtail your trip. This section also details the cover provided if you want to resume your trip to continue your original travel plans following an Insured Event.

The event must be sudden, unforeseen, unavoidable and outside your control, and it must happen after we have issued your Certificate of Insurance and after you book your trip. If an event is not specifically listed below in the table, there is no cover under this section.

You must purchase the Explorer Plan to claim certain benefits for the Insured Events as shown below and in the Summary of Cover.

Cover is provided for the following insured events when they are sudden, unforeseen, unavoidable, outside your control and occur after we issue your Certificate of Insurance.

Refer to each sub-section for further terms and conditions, limits and exclusions to cover.

Section 3 - Travel Disruption

This section details the cover provided if, following specific Insured Events listed in this Section 3 below, your trip is disrupted after you leave home. Also, cover applies only when the Insured Event is sudden, unforeseen, unavoidable, outside your control and occurring after we issue your Certificate of Insurance. If an event is not specifically listed, there is no cover under this section.

You must purchase the Explorer Plan to claim certain benefits for the Insured Events as shown below and in the Summary of Cover.

We’ll pay for reasonable additional travel expenses up to the standard of your original booking, which are attributed directly to the Insured Events listed in this Section 3 below. The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the carrier or accommodation provider. We won’t pay for travel or other expenses you’d usually have if the event didn’t happen.

If you have the Explorer Plan, for Insured Events 2 and 3, we will pay up to the limits shown in the Summary of Cover for only one of the following benefits:

• 3.1 Travel Delay; or

• 3.2 Missed Connection (Explorer Plan only).

For example, if the same expenses you’re claiming under Section 3.1 Travel Delay are also covered under Section 3.2 Missed Connection, you can only claim for these expenses under one sub-section for the same event.

Cover is provided for the following Insured Events when they are sudden, unforeseen, unavoidable, outside your control and first occur after we issue your Certificate of Insurance.

Refer to each sub-section for further terms and conditions, limits and exclusions to cover.

Section 4 - Your Belongings

This section explains the cover if your baggage and personal items are stolen, damaged or destroyed. It also explains the cover if your baggage is delayed, lost or damaged by a common carrier.

NOTE: This insurance does not automatically provide cover for the full replacement value of belongings and personal items insured under this policy, which may be more appropriately covered under a household All Risks section or a separate All Risks policy.

Section 5 - Rental Car Excess (Explorer Plan)

If you’ve purchased the Explorer Plan, this section describes the cover available if you rent a car during your trip and it’s damaged or stolen.

NOTE: This travel insurance policy is not rental vehicle insurance or damage waiver cover. Our policy doesn’t replace the need for you to purchase rental vehicle insurance or damage waiver through the rental vehicle company covering physical damage and theft of the rental car and your liability to third parties for injury or property damage while the rental car is in your care or control.

Section 6 - Personal Accident (Explorer Plan)

If you’ve purchased the Explorer Plan, this section describes what we’ll pay you or your estate if you’re involved in an accident overseas and, within 12 months, you die or you lose a limb, an extremity, your eyesight or suffer permanent total disablement which prevents you from working.

NOTE: Cover is provided under this benefit for accidental death; however, if you are under the age of 18 at the time of death, a lower benefit limit is available, as shown in the Summary of Cover.

What’s not covered - Specific Exclusions under Section 6

We won’t cover any costs that directly or indirectly relate to or arise from:

1. Any disease or any physical defect or illness.

2. A pre-existing medical condition, even if the condition recurs as a result of or is aggravated by the accident.

3. Any injury which is caused by or exacerbated by a pre-existing medical condition.

4. Any consequences of medical treatment not necessitated by an accident covered by this policy.

5. Certain adventure, work, study and volunteer activities, as shown in Section 8.

6. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

What you must do

1. You must not admit fault or liability or accept any responsibility for any incident. If you do, your action will have no binding effect on us. You’ll have breached a policy condition, which may put us in an adverse and prejudicial position. Therefore, to the extent that you have put us in an adverse and prejudicial position, we may not be obligated to pay a claim made against you or reimburse your defence costs or other legal expenses.

2. You must contact our emergency assistance team as soon as possible if you injure someone, damage another person’s property or a suit is brought against you. Contact them on phone +353 21 237 8009 or email assist@worldnomads.com.

3. To assist our investigation, you must make all reasonable attempts to obtain as much information as possible of the circumstances of the event and the claim made against you, including obtaining police reports, witness details and any photographs.

4. You must first obtain our written consent before incurring any cost or expense.

5. You should also read what we won’t cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What’s covered

What’s not covered - Specific Exclusions under Section 7

We won’t cover any costs that directly or indirectly relate to or arise from:

1. Any applicable excess, as explained in the Summary of Cover.

2. Liability covered under any other insurance.

3. The carrying out of any work (including volunteer), internship, apprenticeship, profession, trade, business or employment.

4. Certain adventure, work, study and volunteer activities, as shown in Section 8.

5. Physical injury or property damage caused by any deliberate act or caused by you with intent, malice or gross negligence.

6. Bodily injury to any member of your family or household or employed by you or a member of your travelling party.

7. Property or items which you own (including land or buildings) or you occupy (except temporarily for the purpose of the trip).

8. Your ownership or use of any: mechanical, motorised or horse-drawn vehicles; bicycles; aircraft or waterborne craft (other than rowing boats, punts or canoes); animals (other than horses); firearms or weapons of any kind.

9. Racing of any kind.

10. Any legal liability which you incur as a result of an agreement that you made which would not exist in the absence of that agreement (contractual liability).

11. Fines and punitive damages.

12. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

What you must do

1. Review the list of adventure sports, activities and experiences carefully, choose all the activities you’ll participate in, and ensure you select the level of cover you require at the time you purchase your policy.

2. You must take reasonable care and not put yourself at needless risk while participating in these adventure sports, activities and experiences. You must follow any local authority warning or advice.

3. If you intend to work or study, you must have the appropriate visa to work or study under the local laws of the country you’re visiting.

4. You must have the appropriate skills and training and hold the necessary licences and/or certificates for the work you undertake. If required, you should only work from ground level up to two metres above ground, as the risk of injury is significantly increased when working at heights greater than two metres.

5. You should also read what we won’t cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What’s covered

What’s not covered - Specific Exclusions under Section 8

We won’t cover any costs that directly or indirectly relate to or arise from your participation in any adventure sport, activity, work, study or volunteer experience in the following circumstances:

1. You train for and/or participate in an activity at a professional level.

2. Competing at an international event as a national representative.

3. Participation in any adventure sports, activities, work, study or volunteer experiences where you don’t select the appropriate adventure sports, work, study and volunteer level upgrade or where it is specifically excluded (including Special Exclusion (i)-(v)) in Section 8.1 List of adventure sports, activities & experiences.

4. You go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.

5. Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.

6. Racing, except on foot and up to marathon level; participating in speed or time trials.

7. Motorsports – shows, races, competitions or training.

8. For motorised vehicles:

   1. not wearing a helmet where one would be required in your country of residence, regardless of the local laws; and

   2. operating any motorised vehicle without a valid licence for the same class of vehicle or watercraft in your country of residence and as required in the relevant country where you’re travelling.

9. Where you don’t meet the Special Conditions (a)-(e) as specified in the list of adventure sports and activities); refer to Section 8.1 List of adventure sports, activities & experiences.

10. Undertaking or working in any dangerous, extreme or hazardous activities, and/or participating in any sports or activities in hazardous locations, such as for example:

    1. base jumping, wingsuit flying, cliff diving, martial arts competitions, motor sports, piloting an aircraft, stunt flying/aerobatics, rodeo, bull riding/Running of the Bulls;

    2. taking part in dangerous expeditions; mountaineering expeditions or expeditions to remote and inaccessible regions of the Arctic, Antarctica or Greenland, unless approved by us;

    3. crewing of a vessel more than 60 miles from a protected body of water;

    4. work as a guide where ropes or other specialist climbing equipment is required;

    5. work offshore or underground, including in caves;

    6. work operating machinery or heavy/industrial equipment;

    7. work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres; or

    8. work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.

11. Your personal liability while in the course and scope of your work activity (including volunteer), internship, apprenticeship, profession, trade, business or employment (refer to Section 7).

12. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

What you must do

1. You must observe applicable government, health department, and World Health Organization preventative and precautionary measures, including any relevant vaccinations, hygiene or social distancing guidelines.

2. You must make every effort to contact your travel providers as soon as possible and make every effort to seek compensation or offers to rearrange or reschedule your plans, and, where applicable, exercise your rights under consumer protection legislation, before deciding to incur additional expenses, change your travel plans or make a claim with us. You must accept any reasonable alternative options offered by the provider.

3. You must take all reasonable steps to avoid or minimise your expenses following an Insured Event. Where we have been disadvantaged because of your choices, it may impact what we pay you for your claim.

4. If you make a claim, you must show the event was unexpected and occurred after you purchased the policy and after you booked or paid for any travel arrangements.

5. You must provide satisfactory written evidence of the timing and circumstances of the event and the actual costs incurred. Where applicable, this includes:

   1. written advice from the attending medical practitioner if you are medically unfit to travel; or

   2. written advice from the attending medical practitioner or local health authority confirming that your quarantine is necessary; or

   3. a written report or statement from the carrier or relevant authority confirming the reason and timing of the event; any compensation or offers made to you (e.g. for alternative transport or accommodation); and confirmation of your claim and settlement with them; or

   4. written confirmation from your employer of the date and reason for the cancellation of your leave; or

   5. documentation to confirm your travel itinerary, vouchers or e-ticket; and

   6. receipts for any expenses incurred. Our emergency assistance or claims teams may ask you to supply the original documents to verify your claim, so you should keep these safe, just in case.

6. You should also read what we won’t cover in the Specific Exclusions to this section and the General Exclusions which are applicable to all sections.

What’s covered?

What’s not covered - Specific Exclusions under Section 9

In addition to the General Exclusions the following exclusions also apply to this section.

We won’t cover any loss, claim or expenses that directly or indirectly relate to or arise from any of the following:

1. You buy or extend a policy, or make or undertake travel arrangements when you are aware, or a reasonable person in your circumstances should have been aware, of circumstances that may impact your travel plans, or knowingly putting yourself in a situation of unreasonable risk, such as:

   1. you know you will be unable to avoid close contact with a case of coronavirus during your trip; or

   2. you are medically unfit to travel; or

   3. you travel against medical advice; or

   4. when you know you will have to consult a medical practitioner during your trip.

2. You fail to promptly cancel or rearrange your travel plans after an event in this section impacts your trip, and you incur extra costs.

3. You neglect to observe applicable government, health department, and World Health Organization preventative and precautionary measures, including any relevant vaccinations, hygiene or social distancing guidelines.

4. Any expenses where you’re unable to provide written documentation confirming the incident, or where you can’t provide proof of your expenses, including original receipts, if we ask for them.

5. Additional travel and accommodation expenses above the standard originally booked, unless approved by us.

6. Expenses you incur after you return to your home in your country of residence.

7. Additional accommodation expenses, where you claim for cancelled accommodation expenses covering the same period of time; or any expenses where you have made a claim for the same costs under any other section of the policy.

8. Any quarantine that is broadly imposed by a government or other official body and which is not as a result of your or a member of your travelling party’s diagnosis of, or close contact with a case of, coronavirus.

What’s not covered under any part of your policy

We won’t cover any costs that directly or indirectly relate to or arise from the following, unless you have contacted us and we have confirmed in writing that you will be covered:

1. You being 65 years of age or over at the date your Certificate of Insurance is issued.

2. Medical expenses incurred within your country of residence.

3. Travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State. You must take all reasonable steps to avoid or minimise any potential claim or your expenses; where we have been disadvantaged because of your choices, it may impact what we pay you for your claim. Refer to the U.S. Department of State travel advisories for further information on the status of a region or country.

4. You or anyone acting on your behalf not answering our questions accurately at the time you purchase your policy, where your answers may have impacted our decision to insure you.

5. A change of mind, disinclination or reluctance to travel.

6. Any pre-existing medical condition.

7. Unused pre-paid travel tickets where repatriation has been arranged by our emergency assistance team.

8. Where you don’t have a return ticket, the cost of an Economy Class airfare at the carrier’s regular published rates for the journey home, or the actual cost incurred, whichever is less.

9. Travel after being given a terminal prognosis.

10. 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 illness or injury which necessitated your admittance to hospital.

11. Travelling against medical advice.

12. Travelling overseas to undertake investigative procedures or travelling overseas to receive medical treatment, of whatever nature.

13. Failure to observe applicable preventative measures for the travel region, as outlined by the World Health Organization, including obtaining relevant vaccinations, malaria prophylaxis, and hygiene measures. Please refer to who.int for further information.

14. Pregnancy and/or any related pregnancy complications, except as described in Health conditions & your policy.

15. Any sexually transmitted diseases or sexually transmitted infections (except where contracted through an assault).

16. Solvent abuse; drug addiction; being under the influence of a drug, except a drug taken in accordance with the advice of a registered medical practitioner.

17. Alcohol misuse; you drinking too much alcohol where it is reasonable in the circumstances to expect that such consumption could result in an impairment to your health, impairment of your faculties and/or seriously affect your judgment or exacerbates another medical condition. We do not expect you to avoid drinking alcohol on your trip but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result.

18. Unlawful acts, criminal acts or malicious acts by you or by a person acting on your behalf.

19. Intentional, self-inflicted bodily injury, suicide or suicide attempts or other self-harm, by you or any other person.

20. Failure to take reasonable care to act as a reasonable, prudent person would in similar circumstances.

21. Wilful or reckless exposure to exceptional risk or acting with reckless or wilful disregard for one’s own or another’s safety or property, except in an attempt to save human life.

22. You climbing on top of, or jumping from, a vehicle or jumping from a building or balcony, or sitting, planking, balconing, owling or lying on any external part of any building, or climbing or moving from any external part of any building to another (apart from stairs, ramps or walkways) and falling regardless of the height, unless your life is in danger or you are attempting to save human life.

23. Travel in an air-supported device, unless as shown in the list of adventure sports or activities and where you have purchased any required upgrade.

24. Expenses which are recoverable from elsewhere. For example, payment recoverable from your credit or debit card issuer (for instance, a ‘chargeback’ arrangement), by compensation under any workers’ compensation act or transport accident laws or by any government- or employer-sponsored fund, plan, reciprocal health care agreement, medical benefit scheme or any other similar cover or insurance, which is available or is required to be effected by or under a law.

25. Expenses you have not taken reasonable and practical steps to recover from the carrier, accommodation provider, booking agents, travel agents, any compensation scheme, or any other source.

26. Any search and/or rescue operations (including costs charged by a government, regulated authority or private organisation) connected with finding or rescuing you from a dangerous, life-threatening situation, except as provided under Section 3.3 Natural Catastrophe.

27. We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.

28. Any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.

29. Any consequence whether direct or indirect of terrorist activity. (This exclusion does not apply to Emergency Medical & Dental Expenses Overseas (Section 1) where you or a member of your travelling party are injured or die due to terrorist activity and where neither you nor they actively engaged in or participated in terrorist activity nor chose to go to an area where there was terrorist activity following warnings against travel to the area made by the U.S. Department of State.)

30. Ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel; radioactive toxic explosives or other dangerous properties of nuclear machinery or any part of it.

31. Financial or non-financial consequential or indirect losses of any nature, including for example loss of enjoyment, revenue, profit, business opportunity, or damage to goodwill or reputation.

32. Errors or mistakes in any booking arrangements, including, for example, failure to book a portion of a trip or obtain appropriate travel documents or visas.

33. The bankruptcy, liquidation, insolvency or other financial failure of any person, company or organisation - including circumstances where a reasonable person, at time of booking or at time of purchase of this insurance, could expect the person, company or organisation would not be able to deliver their products or services.

34. Expenses which you would still incur in the absence of an insured event.

35. Any costs incurred on behalf of your other travelling party members who are not specified on your Certificate of Insurance.

36. Any government prohibition, regulation or intervention; or you or a member of your travelling party not following laws or warnings from a governmental authority or organisation, or any other relevant or local authority. This exclusion does not apply to claims under Section 9 – Coronavirus travel costs. Please refer to Section 9 for specific exclusions regarding coronavirus travel costs.

37. You buy or extend a policy, or make or undertake travel arrangements when you are aware, or a reasonable person in your circumstances should have been aware, of circumstances that could result in a claim. This exclusion does not apply to claims under Section 9 – Coronavirus travel costs. Please refer to Section 9 for specific exclusions regarding coronavirus travel costs.

38. Any loss arising from:

    1. the use of or inability to use any application, software, or program in connection with any electronic equipment (for example a computer, smartphone, tablet or internet-capable electronic device); or

    2. any computer virus or other malicious computer software; or

    3. any hoax relating to a. and/or b. above.

    This exclusion will not apply to claims related to illness, injury or death under:

    • Section 1 – Emergency Medical & Dental Expenses Overseas;

    • Section 2 – Cancellation & Interruption; or

    • Section 6 – Personal Accident.

Is this policy right for you?

The plan you choose (your policy) may be different to other plans you’ve purchased from other travel insurance companies or from World Nomads in the past.

You need to decide if the plan you choose will meet your needs and will cover your potential claim. This policy wording - with its applicable benefits, limits, options, terms, conditions and exclusions - will help you determine if the policy is right for you and will explain the coverage so there will be no surprises or disappointments if you need to use it.

Your policy is your contract with us and is comprised of:

1. This policy wording - including the Summary of Cover - which explains the policy benefits (the situations covered), limits (amount covered), conditions (what you need to do and restrictions on cover) and exclusions (what’s not covered). It determines how we can respond to help you, pay for your expenses or reimburse you, based on your situation and claim;

2. The Certificate of Insurance, which will contain your details (for each person insured), our details, your period of insurance, your premium, date premium received, the plan purchased, any applicable upgrades to cover for sports and activities or specified personal items, and information on the policy excess;

3. Any other documentation you complete and/or we issue to you.

This contract is only valid when you have been issued a valid Certificate of Insurance and have paid the appropriate premium.

Your cancellation rights / Cooling-off period

You have up to 21 days from when we issue your Certificate of Insurance and policy wording to cancel your policy. This is called your cooling-off period.

Cancelling within the cooling-off period:

If you choose to cancel your policy within the cooling-off period, we will refund your premium, provided that:

1. you haven’t travelled under your policy; and

2. you are not making a claim; and

3. you are not exercising any other right under the policy.

Cancelling outside the cooling-off period:

If you choose to cancel your policy outside the cooling-off period, no refund will be provided. If we agree to refund your premium, we may charge an amount for the cover provided (e.g. a proportion of the premium for the time on risk) and an administration fee.

If you are a World Nomads member, you may cancel your policy within the cooling-off period and before the start date on the policy by signing into your membership or by contacting us by email, phone or post.

Information you have given to us

In deciding to accept this policy, we have relied on the information you have given to us. You must take care when answering any questions we ask by ensuring that all information provided is accurate and complete.

When amending or extending your contract of insurance, we will ask you specific questions about any change in your circumstances; likewise, you must take care to ensure that your answers are accurate and complete. For example, you must confirm if you have made or intend to make a claim for circumstances that have occurred prior to requesting the amendment or extension.

If we establish that you deliberately or recklessly provided us with false or misleading information, we will treat this policy as if it never existed and decline all claims.

If we establish that you carelessly provided us with untrue or misleading information, it could adversely affect your policy and any claim. For example, we may:

1. treat this policy as if it had never existed, and refuse to pay all claims and return the premium paid, if we provided you with insurance cover which we would not otherwise have offered;

2. amend the terms of your insurance. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness;

3. reduce the amount we pay on a claim, representing the difference in the premium you have paid against the premium we would have charged you; or

4. cancel your policy.

If your failure to tell us is fraudulent, including if you recklessly or deliberately make a misrepresentation, we may refuse to pay a claim and treat the contract as if it never existed; see Preventing fraud.

Where your claim is fraudulent or deliberately exaggerated in any way or where any statement or declaration made in support of your claim is false or made with a fraudulent device, whether ultimately material or not, your claim will be rejected and your cover will be cancelled on the earliest date possible under applicable law. Any amount we have paid in respect of any fraudulent or deliberately exaggerated claim must be repaid to us. We may in these circumstances report the matter to the police.

Change in circumstances

You must tell us as soon as practicably possible of any change in the information you have provided to us which happens before or during any period of insurance.

When we are notified of a change we will tell you if this affects your policy. For example we may cancel your policy in accordance with Your cancellation rights / Cooling-off period provisions. If you do not inform us about a change it may affect any claim you make or could result in your insurance being invalid.

What type of trip is covered?

This policy covers unexpected and unforeseen events for travel overseas, including if your trip is cancelled, curtailed or interrupted by specific Insured Events (see Sections 2, 3 and 9). We won’t cover you for cancellation or other expenses if you simply change your mind.

You are covered for:

1. Holidays and leisure trips outside your country of residence, and trips that include non-manual work;

2. The travel dates shown on your Certificate of Insurance, up to a maximum of 366 days;

3. Trips that include manual work as detailed in Section 8 if you have paid the appropriate additional premium;

4. Participating in sports, activities and experiences as detailed in Section 8 if you have paid the appropriate additional premium, as required. You are not covered for hazardous activities, other than as specified in Section 8, unless we agree in writing to include them.

Cover is amended by the terms, conditions, limits and exclusions outlined throughout this policy wording; read the policy carefully to decide if it will meet your needs.

Where are you going?

This policy only covers you when travelling outside of your country of residence. When you buy a policy, you must select all the countries and regions where you’ll be travelling. Your premium will reflect the highest priced destination, and you are automatically covered to travel within that and all lower priced regions.

Your chosen countries and/or regions will be stated on your Certificate of Insurance.

The policy doesn’t provide medical cover nor cover for other costs incurred within your country of residence, unless noted otherwise.

Plan options

We offer you two plan options, with different policy benefits and limits:

1. Standard Plan; and

2. Explorer Plan.

Each plan also has optional extras you can purchase to increase the coverage for:

1. High value items you take with you - Section 4.4 Specified high value items; and

2. Adventure sports, activities and experiences - Section 8 – Adventure, Work, Study & Volunteer.

You don’t have to purchase the optional extras in order to buy a Standard or Explorer policy. However, if you choose to purchase any or all optional extras, the cost of the policy along with a breakdown of the optional extras costs will be provided during the purchase process.

How much does it cost?

You’ll be told the policy premium payable when you buy online through World Nomads.

The price is based on a number of factors, including the plan you choose, the countries you’re visiting, the policy duration, the people covered and any additional options and upgrades. After paying the quoted premium, these cover details are confirmed in a receipt World Nomads will email to you and are shown on your Certificate of Insurance.

The premium payable to us includes any relevant compulsory government charges, taxes or levies (e.g. insurance premium tax) we are obligated to pay in relation to your policy.

Managing your policy

You can manage certain parts of your policy through your World Nomads membership or by contacting World Nomads. Please check all your policy documents carefully to make sure all the information is correct. We rely on the information you provide to manage your policy and assist you in the event of an emergency. If there are any errors, please contact World Nomads.

If you need to make changes, please provide any additional supporting information or documentation we request.

Policy rates, terms and conditions which are current at the time a change is made will apply.

Extending your policy

If you want to travel longer, you can extend your policy before 11:59pm on the end date shown on your Certificate of Insurance, based on the time and date in the capital city of your country of residence. You may extend using your World Nomads membership online, provided:

1. you have not made nor do you intend to make a claim;

2. you’re 64 years old or younger; and

3. you remain a citizen or resident of the country of residence noted on your Certificate of Insurance.

If you are eligible to extend your policy, you may only do so before 11:59pm on the policy end date (when your policy expires), based on the time and date in the capital city of your country of residence, and up to a maximum duration of 12 months (366 days) from the start date shown on your Certificate of Insurance. The premium rates available at the time of the extension will apply; however, the 21 day cooling-off period does not apply to any extension.

Please ensure you extend your policy with us several days before it expires, due to time differences and possible administrative delays.

If you cannot extend your policy before it expires, you may buy a new policy while travelling; cover shall then be subject to the 72 hour waiting period. The rates, terms and conditions current at the time of purchase will apply. Refer to the table in When cover starts & ends.

In either case, the discovery of any new medical conditions – including if you experience any symptoms and/or receive any diagnoses – during any earlier period of insurance or an earlier return home will be considered pre-existing medical conditions in any subsequent period of insurance.

Refer to Delayed returning home? if you’re unavoidably delayed due to an insured reason.

Things to do after you buy this policy

1. Read it! Cover to cover. Yes, all of it. No surprises or assumptions. Ask World Nomads if you don’t understand what it means.

2. Give a copy of your policy wording and Certificate of Insurance to a friend or relative so they can contact our emergency assistance team as soon as possible if you’re seriously ill, injured or die and are unable to contact us.

3. Save the assistance phone number in your phone with your policy number, just in case you need to call our emergency assistance team quickly.

4. Gather receipts for the items you’re taking with you. Scan them and keep a copy in your inbox, just in case your baggage and personal items get stolen and you need to make a claim.

5. Know how to contact your doctor at home just in case they have to provide a medical statement to confirm your health or medical conditions in case you need to make a claim for a sudden illness or injury.

Emergency Assistance

Our emergency assistance team is there to help you 24 hours a day, 7 days a week.

Always contact our emergency assistance team first to discuss your situation and options to keep you travelling - even if you don’t consider your situation to be an emergency.

Our emergency assistance team’s trained staff will help with medical problems, including locating nearest medical facilities and, if required, arranging your medical evacuation home. They can also assist with locating the nearest embassies and consulates as well as keeping you in touch with your close relatives and your employer in an emergency.

If you choose not to contact our emergency assistance team and we are placed in an adverse and prejudicial position and our exposure under this policy is increased, we shall have no liability under this policy, unless you show that non-compliance with this condition could not have increased the risk of the loss which actually occurred in the circumstances in which it occurred.

When other things go wrong

This policy wording explains under each section what you must do when something happens, including before you start your trip, while you’re still travelling and when you’re ready to claim. Review each section carefully and contact us if you require more help.

CUSTOMER SERVICE

CLAIMS AND POLICY MANAGEMENT

How your claim will be managed

nib Travel Services Limited will administer your claims under this policy.

Our claims team will work directly with you while assessing your claim. They will:

1. Confirm receipt of your claim within 10 business days, provide you with a claim number and allocate a case manager to your claim.

2. Inform you in writing within 10 business days of receipt if additional information is required.

3. Process your claim within 10 business days of receiving all necessary supporting documentation. They’ll determine which expenses are covered (or not covered), calculate the settlement value of your claim and inform you in writing.

4. Deposit approved payments into your bank account, unless you authorise a payment to someone else. We are not responsible for your bank fees or charges applicable to this payment.

We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.

Contact our claims team if you have a question about making a claim or if you need to submit a claim form and supporting documentation:

How your claims settlement is calculated

1. Covered expenses will be determined according to the terms and conditions of the policy.

2. These expenses will be converted into U.S. dollars to determine the initial claim value.

3. Where applicable, we deduct from your claim an amount for depreciation of your baggage and personal items due to age, wear and tear and loss of value. (We consider factors such as the type of item, its age, expected life span, value in the second-hand market and advances in technology to calculate depreciation.) Depreciation will not apply to those items which you’ve specified as high value items.
   
   If item limits or other sub-limits apply, these will be calculated, and the lesser of the total claim value compared to the value after applying depreciation and item limits and sub-limits will be paid.

4. Any applicable excess will be subtracted from the total claim value to determine the final settlement value. If an excess is applicable to your claim, it’s applied per person insured, per insured incident giving rise to a claim.

5. All claims are paid in U.S. dollars. The rate of currency exchange that will apply is the rate at the time you incurred the expense.

Your responsibilities when you make a claim

You must not make any payment, admit liability, offer or promise to make any payment without our written approval.

You must take all reasonable steps to report and recover any lost or stolen articles, such as reporting a theft to authorities to document the event and find the person responsible; reporting lost property to a security officer to document the loss with an independent source and providing your details so you can be contacted if items are later found. Damaged articles must be retained by you and, if requested, submitted to our claims team in order to substantiate your claim, including proving the item’s value and your ownership. Failure to take these or similar steps may result in a settlement of your claim being reduced or denied.

If we have a claim against someone in relation to the money we have to pay or have paid you under this policy, you must do everything you can to help us recover money from them in legal proceedings. If you’re aware of any third party that you or we may recover money from, you must inform us of such third party.

If you can make a claim against someone else, other than under an insurance policy, you must claim from them first. If they don’t pay you the full amount of your claim, we’ll make up the difference.

If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you’re paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you’re not paid the full amount of your claim, we’ll make up the difference. We may seek contribution from your other insurer. You must give us any information we reasonably ask for, to help us make a claim from your other insurer.

We may undertake in your name and on your behalf, control and settlement of proceedings for our own benefit to recover compensation or secure indemnity from any party in respect of anything covered by this policy; this is called subrogation. You must provide all reasonable assistance to us and give permission for us to use any reasonable means possible to recover compensation or secure indemnity from other parties to which we may become entitled or subrogated upon us paying your claim under this policy, even if we have yet to pay your claim, and whether or not the amount we pay you is less than full compensation for your loss.

Where we recover money from others

We’ll apply any money we recover from someone else under a right of subrogation in any manner we determine.

If we pay you for stolen or damaged property and you later recover the property or it’s replaced by a third party, you must pay us the amount of the claim we paid you.

If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.

Preventing fraud

Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. All information will be treated as confidential and protected to the full extent under law. You can help report insurance fraud by contacting us. (Refer to Information you have given to us for more information.)

Privacy Notice

nib Travel Services Limited is part of a group of companies whose parent company is nib holdings limited. We have a Group Privacy Policy which contains information about the general use of personal and sensitive information by the group, available on request or via worldnomads.com/privacy. (In this Privacy Notice, “we”, “us” and “our” refer collectively to nib Travel Services Limited, WorldNomads.com Pty Limited and nib holdings limited.)

In order to provide you with your insurance policy, we may use your information in ways different to those explained in the Group Privacy Policy. Set out below is your specific Privacy Notice from us; where this conflicts with the Group Privacy Policy the information in the Group Privacy Policy prevails.

What information do we collect about you?

There are situations in which we ask you to give us personal information about yourself, including information like your name, age, gender, contact details, bank account and credit card details. Where applicable, we may also request and collect your information through our claims and complaints processes. The sensitive information we may collect may include health information, such as information about your medical conditions and treatment. If customers choose to purchase this travel insurance, we collect their credit card details and other identifying information in order to process orders and provide customer service.

When you provide personal information about other individuals, we rely on you to have made them aware that you are providing the information to us and of this Privacy Notice.

Please see the World Nomads’ Group Privacy Policy for more details, worldnomads.com/privacy.

What do we do with your personal information? How long do we keep it for?

We use your personal information to provide you with your insurance policy and our insurance services in relation to that policy. This includes providing you with a quote; arranging and managing your travel insurance and insurance-related services; providing you with emergency assistance; managing, processing and investigating claims; and managing your and our rights and obligations in relation to the insurance.

We will only hold your personal information for as long as necessary for any purpose for which it may be used or disclosed, or to comply with any legal or ethical reporting or retention requirements. Where personal information is no longer needed by us for any purpose and as soon as the law permits, we will use secure methods to destroy or de-identify that information.

For what other purposes do we process your information?

Personal Information:

We may process your personal information for:

• research and product development

  • on the basis of our legitimate interest to develop and improve our services

• marketing and competitions

  • on the basis of our legitimate interest to promote services to you which we think may be of interest, we will only do so where we have provided you with an opt-out on collecting your details, and each time we contact you there will be an opportunity to unsubscribe

• IT systems maintenance and development

  • on the basis of our legitimate interest to maintain the working and secure practices of our IT systems

Please see the Group Privacy Policy for more details at worldnomads.com/privacy.

Sensitive Information:

We may need to process your sensitive information (e.g. health details):

• on arranging and managing your travel insurance

  • We will need to collect your consent to process your sensitive information for this purpose

• to administer and provide insurance services (for example to provide you with emergency assistance)

  • We will need to collect your consent to process your sensitive information for this purpose

• to manage, process and investigate claims

  • Unless it is necessary to process your sensitive information for the exercise or defence of legal claims, we will need to collect your consent to process your sensitive information for this purpose

Your rights - where we process your personal information (i) based on your consent; (ii) where it is necessary in order to enter into the insurance policy (contract) with you; or (iii) due to a statutory or contractual obligation

Your consent to our processing of your personal information for certain purposes may be necessary to comply with applicable data protection laws; and where this is the case we will ask for your consent in accordance with those laws.

You may withdraw your consent to such processing at any time. However, where you (i) withdraw your consent; (ii) fail to provide information requested in order to enter in to the insurance policy (contract) with us; or (iii) fail to provide information required by us to fulfil the contractual obligations with you or statutory obligations; then this is likely to impact our ability to provide your insurance cover and pay claims under the cover.

Who do we collect your personal and sensitive information from?

• You

• Persons you authorise (for example, family members, travelling companions, doctors and hospitals)

• Third parties who assist us with providing your insurance products and services (such as travel agents, travel insurance providers, insurers and reinsurers, claims handlers, investigators and cost containment providers, medical and health service providers, government entities, legal and other professional advisers)

Who might we share your personal information with?

There may be instances where we need to share your personal information with:

• third parties acting on our instructions, assisting with providing your insurance

• participants in the insurance market

• your agents (e.g. persons you have authorised to act on your behalf)

• our related group companies, who assist in providing your insurance policy

• parties who assist us with product development, marketing, competitions, research, IT systems maintenance and development, recovery against third parties and fraud prevention

• travel agents, consultants and travel insurance providers

• claims handlers, investigators, and cost containment providers

• medical and health service providers

• legal and other professional advisers

• law enforcement, regulatory and government entities and courts where we are legally required or authorised to do so

Will your personal information be transferred outside of the European Union?

Your personal information may be transferred outside of the European Union to:

• third parties we use to assist in the administration of our services; and

• companies within the nib group, who assist in providing and administering your insurance policy.

An adequacy decision may not be in place in the countries where those companies are located, however, we take the protection of your personal information very seriously and so have put in place appropriate measures with each of these parties to protect your information.

When you provide personal information about other individuals, we rely on you to have made them aware that you are providing the information to us and of this Privacy Notice.

Your rights

You have certain rights, under data protection legislation, in relation to the personal information that we hold about you. These rights are subject to certain exemptions such as public interest (eg prevention of crime) and our interests (eg maintaining legal privilege). Your rights include:

• the right to access your personal information;

• the right to rectification of your personal information;

• the right to erasure of your personal information;

• the right to withdraw your consent for us to process information, where this is our basis for processing;

• the right to restrict or object to the processing of your personal information;

• the right to data portability;

• the right to object to receiving marketing; and

• the right to complain to your relevant supervisory authority about the use of your personal information.

Please note you may not access or correct personal information of others unless you have been authorised by them or are authorised under law.

If you would like to contact World Nomads about your rights, please contact World Nomads’ Data Protection Adviser in writing at PO Box A975, Sydney South NSW 1235, Australia or at privacy@worldnomads.com.

If you have a complaint

We are dedicated to providing a high quality service, and we want to ensure that we maintain this at all times. If you’re unhappy with the service provided in relation to this insurance policy, whether by us, nib Travel Services Limited, World Nomads or any affiliate, please contact our Customer Relations team:

Customer Relations
nib Travel Services Limited
PO Box 912
South Cork DSU
Cork, Ireland
Phone: +353 21 237 8007
Email: CustomerCareRTW@worldnomads.com

The Customer Relations team has an Internal Disputes Resolution (IDR) process through which your complaint will be managed. They will acknowledge each complaint in writing within 5 business days of the complaint being received. They will endeavour to respond to your complaint within 20 business days of receipt. If more time is needed to collect necessary information or complete any further investigation required, they will agree with you a reasonable alternative timeframe.

It is recommended that all supporting documentation be submitted in writing so your costs and the circumstances of your complaint can be verified. You will need to allow our Customer Relations team the full opportunity to investigate and resolve your complaint.

Within 40 business days or as otherwise agreed with you, we will have completed our investigation and will inform you of this in writing. We will advise you what we have done to investigate your complaint, what information we have used to come to our decision, and what our final decision is for your consideration.

Jurisdiction and choice of law

The policy shall be governed by English law and subject to the exclusive jurisdiction of the courts of England and Wales. We will abide by the final decision of such court or any competent appellate court.

Any summons of legal proceedings may be served upon nib Travel Services Limited at the following address:

nib Travel Services Limited
PO Box 1051
Grand Cayman KY1-1102
Cayman Islands

Third Party Rights

This contract of insurance is intended solely for the benefit of you and us. Unless otherwise specifically provided, nothing in this contract of insurance shall be construed to create any duty to, or standard of care with reference to, or any liability to, any person or entity not a party to this contract of insurance.

The insurer and other providers

This travel insurance policy is underwritten by nib Travel Services Limited, a Class B(iii) Insurer regulated by the Cayman Islands Monetary Authority and licensed to conduct business from the Cayman Islands under License Number 1446874 under The Insurance Law, 2010 (except for Cayman Islands residents). Our registered office is at:

nib Travel Services Limited
PO Box 1051
Grand Cayman KY1-1102
Cayman Islands

However, our principle contact address is at:
nib Travel Services Limited
PO Box H2, Australia Square
Sydney NSW 2000
Australia

Benefits under this policy are administered by nib Travel Services Limited. Our contact details are:

nib Travel Services Limited
PO Box 912
South Cork DSU
Cork, Ireland
Phone: +353 21 237 8007
Email: infoRTW@worldnomads.com

This travel insurance is marketed and promoted by WorldNomads.com Pty Limited, Australian Business Number 62 127 485 198 (World Nomads). Their contact details are at:

World Nomads
Email: infoRTW@worldnomads.com
Website: worldnomads.com

World Nomads and nib Travel Services Limited are wholly owned subsidiaries of nib holdings limited, a company registered in Australia under Company Number 125 633 856.

Compensation

In the event that we are unable to meet our obligations, you may be entitled to compensation under Cayman Islands law, including under provisions of the Companies Law (2016 Revision) and the Companies Winding Up Rules 2018.

Updating this policy wording

This policy wording is current for the period of insurance outlined on your Certificate of Insurance.

We may need to:

• update this policy wording where required to comply with law:

  • If the changes affect a policy you currently have with us, we may issue you with a new policy wording to update the relevant information; if we do so, we will notify you via your email, phone number and/or via our website at worldnomads.com.

• update this policy wording more generally from time to time:

  • We ask that you read any new policy wording in full, as it may differ from the wording of previous policies you had with us; and it may affect your cover or your decision to purchase cover with us.

Date prepared: 22 June 2021

Date effective: 13 July 2021

Version: WNRTW-PolicyWording-03-13JULY2021