Travel insurance for Australians (2024)

World Nomads offers two travel insurance plans tailored to meet the diverse needs of Aussie travellers – the Standard Plan and Explorer Plan. The Standard Plan provides coverage such as overseas medical expenses, coverage for personal belongings, trip cancellation, and cover for certain adventure activities. The Explorer Plan builds on the Standard Plan and offers even more benefits, higher benefit limits, and broader sub-limits. It's crucial to select the right plan from the outset, as you cannot upgrade from a Standard Plan to an Explorer Plan mid-trip.

To decide which plan suits you best, you should consider factors like your destination, activities planned, trip cost, and personal circ*mstances. Choose wisely to ensure a worry-free travel experience with the right coverage in place.

Making a claim is a straightforward process designed to assist you during unforeseen circ*mstances while travelling. Here’s a step-by-step guide:

1. Report the incident: Contact us as soon as possible after the incident occurs. Provide details about what happened and gather any necessary documentation, like police reports or medical records.

1. Sign in: Sign into your World Nomads membership. Use the links to 'Make a claim' once signed into your membership dashboard.

1. Submit documents: Depending on your claim type, you may need to submit documents such as medical bills, receipts for additional expenses, or proof of trip interruption or cancellation.

1. Follow Up: Stay in touch with us and provide any additional information we may request promptly. This will help expedite the claims process.

1. Review Your policy: Familiarise yourself with your policy's terms, conditions, limitations and exclusions to understand what's covered.

Remember, the sooner you initiate the claim process and provide all required documentation, the quicker your claim will be processed. Always keep your policy details and emergency contact numbers handy when travelling.

You can email or call:
Australian residents email: [email protected]
Phone (local call within Australia): 1300 787 375
Phone (while overseas): +61 2 8263 0400
Fax (everywhere): +61 2 8263 0494
 
World Nomads Claims
nib Travel Services
PO Box A975
Sydney NSW 1235 Australia

When you lodge your travel insurance claim, you need to provide the correct documentation to ensure a smooth process. For Australian travellers, here's a list of essential documents you'll typically need to submit:

• Proof of travel: Itinerary or booking confirmations showing your travel dates.
• Medical records: If claiming for medical expenses, provide medical reports, prescriptions, and bills detailing the treatment received.
• Receipts and invoices: For any expenses you're claiming, such as accommodation, transport, or lost/damaged belongings, keep all receipts and invoices.
• Police reports: In case of theft, loss, or any criminal activity, a police report is essential.
• Cancellation notices: If claiming trip cancellation or interruption, provide documentation from airlines, tour operators, or accommodation providers confirming the cancellation.
• Claim form: Fill out and submit the insurance claim form, ensuring all details are accurate and complete.

Remember, providing comprehensive and accurate documentation is crucial to validate your claim and ensure a timely payout. Always keep copies of all submitted documents for your records and check your email to keep track of any progress of your claim. If you need more information on what to do if you don’t have all the required documents and adding documents online, click on our FAQ article.

As much as we would love to cover every single unexpected event or unforeseen scenario that happens when travelling, unfortunately we cannot do that. World Nomads has specific exclusions and limitations for Aussies taking out travel insurance, these are clearly stated in the Product Disclosure Statement (PDS). Here are just some of the main exclusions to be aware of:

• Medical expenses in Australia: Travel insurance doesn't cover medical expenses incurred within Australia.
• Travel warnings: If you travel to a destination with a 'Do not travel' warning from the Australian Government, you won't be covered.
• Existing medical conditions: Existing medical conditions may not be covered unless specifically stated as covered in the PDS.
• Adventure activities: There are specific exclusions, limitations and conditions for many of our activities and sports.
• Change of mind: Simply changing your mind or reluctance to travel isn't covered.
• Unlawful acts: Any losses arising from unlawful or dishonest acts won't be covered.

Always refer to the specific terms, conditions, limitations and exclusions of your PDS to understand the full scope of coverage. Always ensure you buy the right policy that aligns with your travel plans and needs. If you need more information visit our Help Centre, or get in touch.

If you decide that you don’t want to travel or can’t travel due to unforeseen events, you can cancel the policy up to 11:59pm AEST/AEDT on the day before you start your trip for a full refund provided:

1. You haven’t started your trip;
2. You haven’t made a claim; and
3. You don’t want to make a claim or exercise any other right under the policy.

All you need to do is sign into your membership, choose your policy and follow the links to cancel before your policy Departure date. If you need to cancel, contact World Nomads.

Please note that we don’t refund you any unused portion of your premium if you decide to return home early for any reason.

If you're an Aussie traveller overseas and need assistance with a claim, an emergency or need to ask us a question about coverage for your policy, reaching out to World Nomads is easy. Here's how:

Customer Service:

We’re available Monday to Friday 9:00am - 6:00pm (AEST/ADST). Saturday to Sunday closed (AEST/ADST)

Phone

Within Australia:

1300 787 375

From anywhere in the world:

+61 2 8256 1542

Email: Send an email to the customer support team detailing your concerns to: [email protected]

Emergency Assistance:

If you're facing an emergency overseas contact us on the following details:

Phone

From anywhere in the world:
+61 2 8263 0470
+61 2 8292 1470

Within Australia:
1300 787 375

SMS:
+61 4 1720 4602

Email

[email protected]

When you call please have ready:

• Your policy number
• A contact number and travelling companion details for where you are now
• The nature of your problem.

Claims:

We’re here to help if you have a question about your claim. We’re available Monday to Friday 8:00am - 5:00pm (AEST/ADST)

Phone

Within Australia:
1300 787 375

From anywhere in the world:
+61 2 8256 1542

Email

[email protected]

Remember, always keep your policy number and details handy when contacting customer support for quicker assistance.