Who
can buy this policy?
Anybody can buy a World Nomads policy as long
as you are a permanent resident of Australia or New Zealand or are planning
to travel in either Australia or New Zealand. If you are not a permanent
resident of Australia or New Zealand, you only need to tell us the address
of the hostel or friends place that you will be staying at whilst in
Australia or New Zealand.
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Why
is World Nomads cover about half the price of other travel insurance
quotes?
World Nomads is only available over the Internet
and the price reflects the costs savings and efficiencies of the Internet
- much the same way books and music are priced lower over the Internet.
World Nomads policy cover also means that you aren’t paying for cover
that you don’t need - like hire car cover - and this is also reflected
in the price.
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Can
I cancel my policy and get a refund?
Yes, our money back guarantee allows you to
cancel your policy and claim a refund, but only if you cancel your policy
within 14 days of purchase AND you haven’t departed on your journey
or made any sort of claim.
Who
is the Insurance Company behind World Nomads?
Your policy is provided by Allianz Australia
Insurance Limited, ABN 15 000 122 850 of 2 Market Street Sydney NSW
2000, which is the insurer.
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Can
I extend my policy and is there a limit to the number of times I can
extend?
Yes. There is no limit to the number of extensions,
but you can’t extend your cover if your policy has expired. Once your
period of cover has expired and you wish to buy another period of cover,
you will have to buy a new policy and be issued with a new policy number.
What
countries are covered by the policy?
Every country is covered, however you need
to be aware that World Nomads, like all travel insurers, does not cover
claims resulting from war. Also regarding terrorism, our policy covers
medical costs, additional expenses and damage to your personal belongings,
provided that the terrorism act was unexpected. Our policy does not
cover the costs and deposits lost if you cancel your travel due to an
act of terrorism.
You are not covered for medical expenses once you
have returned to your country of residence.
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Am
I covered if I am travelling on a working holiday visa?
You are covered, but if your claim is recoverable
from an employers’ workers compensation insurance or similar insurance
required by the laws of the country you are working in, then this is
not covered by World Nomads.
Can
I still buy your cover if I am not a backpacker?
Yes you can. You need to be aware that World
Nomads has been designed for the needs of the independent traveller
and you should refer to the policy wording to ensure that the cover
offered suits you.
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Can
I take additional cover to Include USA, Canada & Japan if original policy
excluded these regions?
No. If you buy a policy excluding USA, Canada
& Japan and you are going to travel to those regions, you must purchase
another policy for the period that you will be in that region.
What
sports does my policy cover:
- motor cycle riding?
Yes provided you have a licence that is valid in the relevant country.
You are automatically covered as a pillion passenger.
- underwater diving?
Yes provided you hold an open water diving licence or you were diving
under licensed instruction.
- skiing and snowboarding?
Yes you are covered for skiing and snowboard. Your equipment is not
covered whilst it is use, however it is covered whilst it is in your
room for example.
- Trekking or hiking?
Yes you are covered provided you do not need to use support ropes.
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What
medical claims does my policy cover:
- Visits to the Doctor as well as In-Hospital
Care?
Yes, however you must pay the first A$100 (the policy excess) of each
claim. You are covered for reasonable cost of medical, hospital, road
ambulance or other treatment you actually and necessarily receive
during your trip because you suffer an injury or an illness, which
first shows itself during the trip.
- Dental treatment?
Yes, emergency treatment following an injury up to $500 costs for
the relief of sudden and acute pain to healthy natural teeth.
- Evacuation home following a serious
illness or accident?
Yes, provided it is with the consent of Worldcare Assist and to your
Country of Residence.
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What
is the definition of a pre-existing medical condition?
(a) Any physical defect, condition, illness
or disease for which treatment, medication, preventative medication,
advice, preventative advice or investigation has been received or prescribed
by a medical or dental adviser in the 90 days prior to the issue of
the Policy; or
(b) Any chronic or ongoing (whether chronic or otherwise)
medical or dental condition, illness or disease medically documented
prior to the issue of the Policy.
You can still take out a World Nomads policy with
a pre-existing condition, but we won’t cover any claim made as a result
of this condition.
What
can I claim for?
World Nomads offers cover for overseas medical
expenses (expenses incurred overseas from your country of residence),
medical evacuation and additional expenses, cancellation costs, funeral
expenses, emergency dental treatment, luggage and personal effects,
and personal liability. You should refer to the policy wording on this
Internet site for the full description of benefits and exclusions.
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What
is my policy excess?
A policy excess of $100 will be deducted from
each and every claim made on this policy.
What
is the most you will pay for my personal belongings?
$250 per item and $2,500 in total for all luggage.
If you purchase a family policy, the coverage in total is $2,500 per
adult person and $5,000 in total.
Am
I able to include extra cover for my personal items valued over $250?
No, the World Nomads policy has one set level
of cover.
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Does
my policy provide 24Hr Emergency Assistance?
Yes, provided by Worldcare Assist - a company
of the Mondial Assistance group - a world leader in 24 Hr Emergency
Assistance. Simply call toll free on 800 9392 9392 from anywhere in
the world at any time.
Who
is World Nomads?
World Nomads is an Australian company, established
to provide more suitable and flexible travel cover for global travellers
than standard insurers provide.
Our address is World Nomads Pty Ltd, 6 Elliott Street,
North Sydney 2060 AUSTRALIA and we can be contacted on 1 300 787 375
when calling from Australia.
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Can
you send me details on the World Nomads policy in the post?
World Nomads is an online only product, and
we are able to offer such competitive premiums by not having the traditional
extra costs of producing brochures and other information. If you are
unable to access this information from our website, please contact us
and we will provide you with the information you require.
Does
your policy include claims resulting from acts of terrorism?
Our policy covers medical costs, additional
expenses and damage to your personal belongings, provided that the terrorism
act was unexpected. Our policy does not cover the costs and deposits
lost if you cancel your travel due to an act of terrorism.
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Since
you can only purchase your cover with a credit card, how do I know it
is secure?
World Nomads uses a secure payment gateway
that makes the Credit Cardtransaction directly and securely with the
bank. We do not see, record or store these card details in any form,
simply get approval or decline from the banking institution.
This connection through to the bank uses a 40bit
encrypted SSL Web Server Certificate so that any information is encrypted
or scrambled, making it impossible to intercept or steal.
More information on this can be found at
http://www.thawte.com but you can be assured that your transaction
is at least as safe as any other normal offline credit card transaction.
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Can
I purchase a policy if I have already left home?
Yes, provided you are a permanent resident
of Australia or New Zealand or intend to visit these countries in your
travels.
Does
your policy cover loss of cash?
No, cash is excluded. Our policy covers your
personal belongings if they are stolen or damaged or misdirected by
a carrier.
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Before
you go
Essentials