Portuguese Residents

Portugal Residents Emergency

World Nomads supports a global community of independent and adventurous travellers by providing a range of travel services including this travel insurance policy. This policy is arranged and managed by nib Travel Services Europe Limited trading as nib Travel Services on behalf of XL Insurance Company SE (your insurer, weus).

For policies purchased on or after 2 Dec 2018:

Call our assistance team. They’re available 24 hours/7 days.

Phone: +353 21 237 8009 oror +353 21 237 8003 (Call via an operator reverse charges. Not toll free. Call costs are claimable.)

Phone: +61 28263 0470 (Call via an operator reverse charges. Not toll free. Call costs are claimable.)

Email: assist@worldnomads.com
Note: For policies purchased on or after 2 December 2018 your policy is underwritten by nib Travel Services Limited (formally known as Nomadic Insurance Limited).

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 you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare under reciprocal health arrangements. Apply by contacting your local health office, doctor or online at European Health Insurance Card

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.

What you must do

You must make all reasonable attempts to keep your medical expenses to a minimum and take the advice of our emergency assistance team. If you don’t contact our emergency assistance team as required, we may not fully reimburse you for your expenses or for any evacuation or airfares.

You, a member of your travelling party, a friend or a close relative must contact our emergency assistance team as soon as reasonably possible to confirm cover, manage costs and any potential claim if you:

have been admitted to hospital as an in-patient;

get medical treatment or need ongoing treatment, where the cost of treatment is likely to exceed €625;

are injured, are hospitalised or suffer psychological trauma in an assault; or

need emergency transport, medical repatriation or a medical escort.

Our  emergency assistance team will help direct you or move you to the appropriate hospital or health care facility. Subject to medical advice, you must take their recommendation as to where you can be treated to ensure you receive quality medical care.

 

Medical Assistance, 24 hours a day, 7 days a week

In the case of injury, illness, hospitalisation or where immediate repatriation has to be considered, contact our emergency assistance team as soon as is possible.

From overseas:
Phone: +353 21 237 8008
Email: assist@worldnomads.com

Ask the local operator to connect you on a reverse charge basis or claim your call costs later.

You’ll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.

 

If you need to interrupt your trip, return home for a compassionate visit or resume your trip, you must also follow the instructions under Section 2 Cancellation & Interruption.

You must get copies of all medical records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. We will only ask you to provide documentation that is relevant to your claim and required for us to complete our investigation.

Your illness  or injury must be confirmed in writing by your treating medical practitioner overseas:

you’ll need to provide the medical report from your treating medical practitioner overseas of your condition, tests performed, diagnosis, and treatment provided; and

we may ask for written verification of all of your medical history from your usual medical practitioner at home or elsewhere.

If you’re involved in an accident and are hospitalised or suffer an injuryyou must make every effort to report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) as soon as possible and provide a copy of the written evidence to verify your claim.

If you’re a victim of an assault (e.g. mugging, kidnapping or hijack) and suffer an injury or psychological trauma, you must make every effort to report such a criminal event to local police or other relevant authority as soon as possible and provide a copy of the written evidence to verify your claim.

If you’re travelling on a one way ticket, we expect you to pay the cost of an Economy Class airfare home, as this is considered a reasonable and necessary cost you’d ordinarily incur during your trip. However, if medically necessary and agreed by uswe’ll pay for any upgrade costs to travel home.

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

Who Pays the Bills?

For out-patient treatment where the total cost of your medical treatment is unlikely to exceed €625, you can pay for the medical expenses, keep all receipts and make a claim under your policy for reimbursement. If you are in any doubt, call our emergency assistance team for help.

For more costly treatment and for any hospitalisation, our emergency assistance team can help coordinate payment directly with the hospital wherever possible, provided cover under the policy for the event has been confirmed by us. Where we cannot immediately confirm cover in the circumstances but you require urgent medical treatment, we may, at our discretion provide assistance on a “without-prejudice” basis while we investigate your claim. Assistance “without prejudice” means that you or a person authorised by you agree in writing for us to pay your medical providers directly (details of which we will specify in the agreement). In addition, you will agree to reimburse us for these costs if we ultimately conclude that your claim is not covered under the policy.

World Nomads Travel Lifestyle (Europe) Limited (Company No 601852) markets and promotes travel insurance products of nib Travel Services Europe Limited trading as nib Travel Services, 1st Floor, City Quarter, Lapps Quay, Cork, Ireland. nib Travel Services Europe Limited trading as nib Travel Services is regulated by the Central Bank of Ireland. nib Travel Services arrange, manage and administer this policy under a binding authority to act on behalf of the insurer, XL Insurance Company SE at 8 St Stephen’s Green, Dublin 2 D02 VK30, Ireland. You should carefully read the Policy Wording which contains all terms, conditions, limits and exclusions and the Insurance Product Information Document (IPID) to make sure this insurance is right for you.

Global Surfers

Portuguese Residents has partnered up with Surf Travel Insurance to provide their Global surfing friends specific surfing travel insurance. Surf Travel Insurance provides Standard or Explorer Travel Insurance Plans online from World Nomads to surfers from over 140 countries, who are planning an international surf trip or have already left.

Although we cover over 140 countries, residents of the USA, UK, Europe, Brazil, Hawaii and New Zealand to name a few, have purchased these policies. You can buy, extend and claim online, even after you've left home. It’s designed for adventurous travellers with cover for overseas medical, evacuation, baggage and a range of adventure sports and activities.

Global Surfers Click Here​

Maybe you’re living in Hawaii waiting for the next epic swell to hit Fiji, perhaps escaping the Californian lifestyle for long empty barrels in Indonesia or thinking of snowboarding down a white picturesque mountain slope in Europe. Wherever you live or where you want to go, consider Surf Travel Insurance for your next trip! The original surf travel insurance provider offering Global surfers cover while surfing.   On and Off the water.

Current Travel Alerts

Traveling? We have the insurance to suit!

Surf Travel Insurance assists surfers and non-surfers from popular surfing destinations, including America, Hawaii, Australia, Brazil, Japan, France, Spain, Portugal including South Africa, South America, Pacific/Asia and Europe who need to escape the local crowds for new adventures and empty barreling waves with self-confidence on and off the water. World Nomads, provide global, reliable and flexible cover for world travelers with buy and claim online!

Why Surf Travel Insurance?

STI are the global leaders in surf and snowboard travel insurance and specialist for surfing popular and remote destinations. STI global agents based in Hawaii and Australia, provide direct access to Hawaiian, American and Australian citizens including Global Surfers from 140+ countries worldwide. As surfers, we understand a surfer’s lifestyle and passion while providing insurance products to suit their individual and family needs.

Get a Quote

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Not sure? We take the hassle out of finding an insurance plan and tailor a package that is right for you. Simply fill in the form below and we'll take care of the rest.

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-OR-

Request a quote

Not sure? We take the hassle out of finding an insurance plan and tailor a package that is right for you. Simply fill in the form below and we'll take care of the rest.

  • Date Format: DD slash MM slash YYYY
  • Date Format: DD slash MM slash YYYY

Need Insurance? We have you covered.

Overseas Travel

Overseas Travel

If your overseas trip includes adventure, working or just getting away, choose from a range of products to suit your travel needs including custom planning.

Single, Couples and Family

Single, Couples and Family

Traveling on your own, maybe with your partner or need to take the family, don’t forget the children with dependent kids under 25 are free.

Groups Travel

Groups Travel

STI can assist in customized travel insurance to suit the groups individual needs for any global surf and snowboard adventure.

Working Overseas

Working Overseas

Working Overseas! Choose one of our insurance products with individual and family medical and repatriation cover, while working overseas.

Volunteering Overseas Cover

Volunteering Overseas Cover

At World Nomads, our travel insurance allows you to participate in a range of volunteer activities and vacations, from summer teaching programs to clean water projects.

Surfing Cover

Surfing Cover

Planning a surfing holiday, whether you are learning to surf through to being experienced enough to confidently drop into hollow reef breaks, surfing has its risks and that’s why it’s important to stay safe in the line-up.

Snowboarding Cover

Snowboarding Cover

Whether your snowboarding or Skiing at a resort, or planning to go off the beaten track in the back country or even heli-ski, you’re here because you need reliable travel insurance.

Sailing Cover

Sailing Cover

If sailing is on your ‘to do’ list, it’s as simple as adding ‘sailing’ when getting a quote online. You will need to know a bit about where you’ll be sailing though, e.g. in coastal or international waters.

Motorbike and Moped

Motorbike and Moped

Plan on riding a motorbike or moped while overseas, whether just casually or as your main mode of transport, there’s cover under the policy if you’re properly licensed to ride.

Trekking and Hiking Cover

Trekking and Hiking Cover

The Standard and Explorer plans can cover you while hiking or trekking. If you want to go on a mountaineering adventure then there’s cover for this too under the Explorer Plan only.

Scuba Diving Cover

Scuba Diving Cover

Calm waters, crystal clear visibility and a bulletproof dive plan might make for the perfect underwater adventure, but accidents can happen, even to the most experienced divers.

Surfing Olympics

Surfing Olympics

Planning on attending and following the first Surfing Olympics in Japan, the WSL and QS events or just supporting your local boardriders club. Benefits for single, couples and families while supporting your country, club and athlete.

Telo Island SIEEP 26/08/2013
A reported head trauma was reported which activated an air-ambulance with neurosurgeon onboard for the flight transfer. Air Ambulance was activated for this case and Patient was transferred to Singapore hospital for emergency surgery. The time line was under 6hrs to get patient to Singapore Hospital including: time for Refuelling air-ambulance, Clearance and Immigration requirements. Please note this procedure was in half the time estimated originally, due to improved remote airfields and air-ambulances.
Monika | Operations Coordinator
We have developed an internal database of providers for our team to use on cases with quick reference to hospitals/clinics as well as other providers (ground transfers, hotels, local agents etc). As soon as our team are activated on a case, we review our database for the closest facility that we can refer to. Our business partners are trusted providers who offer local knowledge as well as the ability to obtain crucial information (medical reports), as well as guarantee payments on our behalf, ultimately a seamless class for our travellers so that they are not out of pocket.
Lisa | Operations Manager

Worldwide Emergency Services

All policies cover emergency medical and evacuation expenses. For medical evacuation, customer’s needs to contact their country of residence emergency assistance team to assist with co-ordination

Already Overseas

With World Nomads, you can buy a policy online, anytime, from anywhere in the world. If you buy a policy while traveling, waiting periods, conditions and restrictions on cover do apply. This means you may have to wait up to 36 hours for full cover to apply and certain benefits (like pre-trip cancellation) may not apply as you’ve already left your home country. However, most policies can cover you straight away if you’re injured in an accident after you buy a policy. Your policy wording will have full details to understand the cover, limits and exclusions.

Surfboard Equipment

With World Nomads, Surfboards are covered under most policies for damage or loss whilst in transit, but not covered for damage whilst in use

Winter Sports Equipment

With World Nomads, Snowboards and skis are covered under most policies for damage or loss whilst in transit, but not covered for damage whilst in use

Electronics and Cameras

With World Nomads, Electronics and Cameras are generally covered for damage and theft, however, some policies can cover loss. Limits and benefits vary with each policy

Personal Items

With World Nomads, Personal items are generally covered for damage and theft, however, some policies can cover loss. Limits and benefits vary with each policy

Working and Studying Overseas

Policies, usually cover manual and non-manual work, volunteer etc. Each policy is different and may require additional premium to be paid for more risky types of work. Studying overseas is covered under all policies

Pre-Existing Medical Conditions

With World Nomads, Pre-Existing Medical Conditions have limited cover under some policies, no pre-ex assessment