If you spend most of your time in the USA, then you’ll need to buy USA Cover on an annual basis. However, if you spend most of your time outside the USA, you can choose to add USA Cover to your plan when you join or renew, enabling you to access medical treatment in the USA.
We cannot cover USA permanent residents as they must be covered by a local insurance company. If you choose to include cover for the USA, we have special arrangements in place if you need to be hospitalised while you are there.
These include access to a select network of quality hospitals and other medical treatment providers with direct settlement of all covered expenses when you receive treatment there.
If you have not bought cover for the USA, then we will not pay for treatment received in the USA.
If you have bought cover for the USA, we will not pay for treatment received there when:
- prior approval for your treatment was not given by our service partner in the USA (please read 'Prior approval' section), and
- we know or suspect that you purchased cover for and travelled to the USA for the purpose of receiving treatment for a condition, when you had already experienced symptoms of that condition. This applies whether or not your treatment was the main or sole purpose of your visit.
Please note: If you have previously disclosed a pre-existing condition to us which is listed on your membership certificate and we have not specifically excluded cover for the costs of treatment of the pre-existing condition, this will not apply for any treatment you receive in the USA in respect of that pre-existing condition. If you receive treatment in the USA for a pre-existing condition which is shown on your membership certificate, you will not be covered for the costs of such treatment irrespective.
WorldNomads.com Pty Limited (ABN 62 127 485 198 AR 343027) is an Authorised Representative of Cerberus Special Risks Pty Limited (ABN 81 115 932 173 AFSL 308461), and markets and distributes insurance products of Bupa Denmark (Bupa Global Travel), branch of Bupa Insurance Limited, 15-19 Bloomsbury Way, London, WC1A 2BA (No. 3956433). World Nomads Limited Company (05443592) is an Appointed Representative of Millstream Underwriting Limited, 145 Leadenhall St, London EC3V 4QT (FCA 308584). World Nomads (Canada) Ltd (BC0700178, ON-1708111, SK-101206919, MB-853797942) is a licensed agent for AIG Insurance Company of Canada, 120 Bremner Boulevard, Suite 2200, Toronto, ON M5J 0A8. World Nomads, Inc. (15854422), in CA dba World Nomads Travel Insurance Services (0I46621), provides Insurance underwritten by Nationwide Mutual Insurance Company and affiliated companies, Columbus, OH. All of the information we provide about travel insurance is a brief, general summary. It doesn't take into account your personal situation, what you want or might need. Before you buy, it's important to consider what product is right for you and you should carefully read all policy documents, including the Policy Wording/Product Disclosure Statement/Certificate/Policy/Product Guide, to understand what's covered, what's not covered and the limits, terms and conditions which may apply. World Nomads is located at: Level 21, 680 George Street, Sydney, NSW 2000 Australia.