Having to use medical services and/or spend time in hospital in a foreign country can be very, very expensive, and of course traumatic!  You don't want to have to spend your life savings or carry a loan for many years in order to cover unexpected medical expenses incurred while travelling. Having insurance is good practice in order to avoid such a disaster.  We hope you never have to use it :)

What is the best insurance to buy?

That depends on what you need cover for. As you will be WWOOFing you need insurance to cover a working holiday.  Are you flying one-way? Most insurance companies require you to have a return ticket back to your country of permanent residence. Is it possible you might need to extend your insurance while still travelling? Will you need to purchase your insurance while away from your home country? Does your insurance cover adventure sports and activities that you may participate in while on your adventure holiday?

We have researched various Insurance options and found that World Nomads covers or allows all of the points mentioned above.  Check out their offerings below and don't travel without travel insurance!

Travel insurance: simple & flexible

You can buy, extend and claim online even after you've left home. Recommended by Lonely Planet, World Nomads travel insurance is available to people from over 150 countries and is designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

Simple & flexible Travel Insurance for residents of 150 countries.

Buy, extend and claim online, even while travelling.

• Cover for overseas medical, evacuation and baggage
• Covers a range of adventure sports & activities
• Free travel safety advice
• Language guides and travel blogs
• Give back and fund community development projects
• 24 hour emergency assistance

Get a quote »

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Travel Tips from World Nomads

Here are a few things to consider when choosing your insurance to make sure that you will be covered on your adventure:

• Cancellation: It's no fun if you fall ill before you leave and can not go on your trip. To claim though, you have to buy your insurance policy when you buy your trip. Not all insurance policies cover cancellation, so please read the policy wording relevant to you carefully.
• Lost or Stolen Gear: most travel insurance policies have a per-item value limit – make sure its high enough to cover your gear or choose a policy that allows you to increase the limit.
• Medical expenses over and above evacuation: check that your cover includes emergency treatment while away and transport to bring you home – remembering that insurance providers will usually insist on getting you home as soon as you are fit enough to travel.
• Adventurous Activities: look carefully at what your policy covers - you may find that you are not covered to do all of the adventurous activities that you are planning while you're away.
• Personal Liability: Accidents happen. If it's found to be your fault and someone decides to sue you, you want to be covered.
• Is it safe to go there? Make sure you check the your Government's Travel Warnings and keep up to date with the latest travel safety advice on the road. You may not be covered if you choose to go to a place affected by war, terrorism, civil unrest or environmental disasters (like volcanoes, earthquakes, floods) and other major events where you may be at risk.

Frequently asked questions about World Nomads travel insurance

1. Do I need Travel Insurance?
   Believe us, when you travel, things can - and do - go wrong when you least expect it. Adequate travel insurance helps to protect you (and your bank balance). If you're still not sure, read this.

1. Who can buy it?
   World Nomads Travel Insurance is available to residents of over 150 countries.

1. What if I change my mind?
   Had a change of travel plans? Unlike other policies, World Nomads is flexible and allows you to extend your policy while you are still travelling.

1. What activities are covered?
   World Nomads cover most adventure sports from bungee jumping in New Zealand to white-water rafting in Colorado.

1. How do I buy it?
   You can only buy World Nomads policies online using a credit card. To start, please choose your country of residence.

1. How do I make a claim?
   With World Nomads Travel Insurance you can claim online even if you are still travelling. And if you don't entirely trust insurance companies, have a look at how World Nomads have helped some of their travellers.