World Nomads Explorer

Emergency Medical

$150,000

Hospitalisation, physician fees, diagnostics and prescribed medicines when you fall sick or get injured abroad. The single most important number on any travel policy.

Emergency Evacuation

$500,000

Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.

Medical Repatriation

Included in evacuation limit

Transport home for continued treatment, or repatriation of mortal remains — arranged and paid by the insurer’s assistance company.

Trip Cancellation

$10,000

Refunds prepaid, non-refundable trip costs when you must cancel for a covered reason (illness, injury, death in family, and other listed events) before departure.

Trip Interruption

$10,000

Reimburses the unused portion of your trip and extra transport home when a covered event cuts the trip short after departure.

Trip Delay

$1,500

Fixed or per-day allowance for meals, lodging and essentials when your departure is delayed beyond the policy’s waiting period (typically 5–12 hours).

Lost / Damaged Baggage

$3,000

Reimbursement for checked baggage lost, stolen or destroyed by a carrier, subject to per-item limits and depreciation.

Adventure Sports

200+ activities incl. higher-risk tiers

Extends medical and evacuation cover to listed adventure activities (trekking, scuba, rafting…). Every insurer keeps its own activity list — always check yours is on it.

Winter Sports

Skiing/snowboarding included

Skiing/snowboarding cover including piste closure and equipment, usually as an add-on with altitude limits.

Electronics / Gadgets (add-on)

Optional gear cover upgrade

Higher per-item limits for laptops, cameras and phones than standard baggage cover allows.

COVID-19 Cover

Emergency medical for COVID-19 included

Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.