Insurance for travel abroad

International insurance for backpacking and travel abroad

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Are you insured while backpacking or travel abroad?

Insurance before and during travel abroad: To what extent are you insured while traveling abroad? 
For liability, special sports and activities, luggage, medical expenses, accidents, legal assistance, or SOS assistance?

Table of contents

  • What is travel insurance to insure your trip or vacation?
  • Why should you take out travel insurance for a short trip, vacation, or long-distance trip?
  • What is important to insure when you are going to travel?
  • Why should you take out insurance through the JoHo Foundation?
  • What insurance do you need for a trip or vacation?

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need for a trip or vacation?

  • See below on the page
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Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance with or through JoHo Foundation when you go abroad?

Why should you take out insurance through the JoHo Foundation?
Why should you take out insurance with the JoHo Foundation?
  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

What can you expect from JoHo when take out insurance with the JoHo Foundation?
  • JoHo is one of the few organizations where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with the other products and services, JoHo believes that you should be able to choose between the best, the most cost effective and the most specialized insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy with JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organization who has an established relationship with the insurer

  • JoHo also provides information about insurance policies that you do not take out with JoHo, but through JoHo. In this case, JoHo does not act as an intermediary. Only basic information is provided about these insurance policies. Personal advice or assistance with problems between the insured and the insurer is not possible in this case. If this type of insurance is involved, this will be explicitly stated.

Read more about JoHo and JoHo Insurances

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What insurance can you choose for backpacking and travel abroad?

ACS Globe Traveller
  • a single-trip worldwide travel insurance, created by the French insurance broker ACS.
Caremed Insurances 
  •  travel insurance including coverage for temporary jobs, volunteering and internships through an organization
Expatriate Group International Travel Insurance
  •  insurance for trips of up to 180 consecutive days
IMG’s GlobeHopper Travel Insurance
  • short-term insurance that offers flexibility in choosing coverage
World Nomads Insurance 
  • insurance for light work and long travel
Safetywing
  • international insurance for an international target group, particularly suitable for those who do not work locally
Belgian and Dutch travelers:

Insurance in brief

ACS Globe Traveller Insurance

ACS Globe Traveller Insurance

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Table of contents
  • Brief description of the ACS Globe Traveller Insurance
  • Why take out ACS Globe Traveller Insurance through the JoHo Foundation
  • Coverage and documents of ACS Globe Traveller Insurance
  • Applying for the ACS Globe Traveller Insurance

 

    Characteristics of the Globe Traveller Insurance 

    • Description: international travel insurance for travellers, interns, students, and volunteers
    • Ratio cost-benefit: pretty good for international travel insurance
    • Type of insurance: temporary travel insurance
    • Type of organization: the insurer is the experienced French insurance broker ACS

    Area and location limits of coverage of the Globe Traveller Insurance 

    • Area:
      • there is worldwide coverage outside the usual country of residence
      • at the start of the online application you need to select in which zone of cover you will be travelling : Europe, Russia (as soon as no longer excluded), Africa, North America, Latin America, Middle East and Western Asia, Asia and Oceania. If you plan to visit multiple zones, you will need to select all the zones you will be visiting.
    • Country of residence
      • medical expenses in the usual country of residence are excluded (except for students during a temporary return of less than 30 days during holidays, in case of emergency only, and up to the maximum amount
    • Location: you can apply at any moment, but if you have left your country of living for your trip already, there is an 8 days waiting period before the cover starts

      Duration limits of coverage of the Globe Traveller Insurance 

      • Duration minimum: 1 day
      • Duration maximum: 12 months
      • Renewal: the insurance policy is agreed for a fixed period, with no automatic renewal.
      • Termination:
        • the insurance policy may not be cancelled or reimbursed during the insured period
        • the covers ends on the date of final return if the policy term is not complete, or at the time of repatriation to the usual country of residence,

      Nationality and age limits of coverage of the Globe Traveller Insurance 

      • Nationalities: suitable for any nationality
      • Maximum age: coverage is no longer valid once you reach the age of 66
      • Minimum age and children: no minimum age limit

      Parts of coverage summarized of the Globe Traveller Insurance 

      • Activities coverage:
        • Travelling, sports, studying, volunteering and (unpaid) internship
        • optional coverage: for risk sports as bobsleigh, skeleton, mountaineering, competitive luge, aerial sports with the exception of parasailing, sea scooters, combat sports, off-piste sliding sports, scuba diving with tanks.
        • optional coverage: for sport equipment
      • Medical coverage:
        • coverage for emergency medical health, medical fees which could not have waited for the return to home country
        • 'first euro' cover (no own contributions for the costs)
        • Direct payment for stays in a hospital of more than 24 hours, no need to advance fees, free choice of doctors and hospitals
      • Personal accident coverage: coverage for permanent disability and accidental death
      • Personal liability coverage: coverage for civil liability (damage that has been caused to someone else during the trip)
      • SOS and repatriation coverage:
        • political evacuation,
        • cash advance in case of theft
        • early return following the death of a member of the immediate family
      • Travel luggage coverage: coverage in case of theft, total or partial destruction, or loss during the transportation by a transport company
      • Trip cancellation: coverage with a maximum per person and event

      Price and costs of the Globe Traveller Insurance 

      • Payment: payment of premium via credit card
      • Partner fee: all revenues from purchasing the insurances through JoHo will be used for the JoHo WorldSupporter and Smokey Slum projects.
      • Price: fares starts at around 20 euro and can vary between +/-10 to 40 euro a week, depending on destination, size of your family and level of coverage. Check de online quote and application tool on this page for more exact fares

        Take out and apply the Globe Traveller Insurance  

        ... read more on the page, if applicable
        CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

        CareMed International Insurance for volunteers, students, interns, work and travel and au pairs

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        Table of contents

        • Brief description of the CareMed International Insurance 
        • Why take out the CareMed International Insurance via the JoHo Foundation
        • Coverage and documents of the CareMed International Insurance
        • Applying for the CareMed International Insurance

        CareMed International Insurance: characteristics

        Core
        • CareMed insurance is an international insurance policy for interns, students, volunteers, and working holidaymakers.
        Costs
        • In terms of cost, the insurance is slightly below average for working holiday insurance policies.
        Type of insurance 
        • A temporary travel insurance policy.
        • A specific international travel insurance policy focused on work and travel activities abroad.
        • An insurance policy that prioritizes insurance over slick websites.
        • A good option for those who cannot take out suitable insurance in their own country or are looking for specific coverage.
        Type of insurer
        • Insurance provider: the insurance is offered by CareMed GmbH, based in Bonn, Germany, which specializes in international insurance products for exchange programs and studying abroad.
        • Insurance companies: Chubb and Arch Insurance Company, from the United States, among others, act as the underlying insurance companies.
        • Insurance service providers: AXA assistance, among others.

        CareMed International Insurance: duration limits of coverage

        Duration minimum:
        • The insurance must be taken out for the entire stay abroad.
        Duration maximum:
        • The maximum duration is 13 or 24 months.
        • After this period, you can extend the insurance period under the insurance conditions applicable at that time.
        Renewal
        • if you choose to extend your stay abroad it is possible to apply for an extension of the policy by logging in on your personal account
        • please note that an extension of the insurance cannot be guaranteed.

        CareMed International Insurance: location and area limits of coverage

        Countries and territories
        • There is worldwide coverage outside your home country. Coverage does not include your home country.
        • Insurance needs to be taken out prior to departure from your home country (until 31 days after departure the latest) and for the entire stay abroad
        Visa acceptance
        • Caremed itself says: ‘CareMed travel insurance is accepted worldwide for your visa application. This applies to all working holiday visas (e.g., working holidays in Australia, New Zealand, and Canada), F1, F2, H2B, J-1, J2, and M1 visas for entry into the US, and Schengen visas for Europe.’
        • JoHo advises: Visa requirements may vary depending on the country, state or institution you are visiting, so it is wise to carefully check and verify this statement for your specific situation. 

        CareMed International Insurance: nationality and age limits of coverage

        Nationalities
        • Anyone can take out CareMed Travel Insurance online, regardless of nationality.
        Minimum age
        • Anyone older than 3 months can take out travel insurance with CareMed.
        • For destinations in the US and Canada, the minimum age is 6 years.
        Maximum age
        • The maximum age is 69 years.
        • For destinations in the US and Canada, the maximum age is 65 years.

        CareMed International Insurance: parts of the coverage

        Coverage of activities
        • Adventurous activities are included. Choose the additional option for "Risky sports" if you will attend a sports college or have other activities on your itinerary with extra risks.
        • Coverage for au pair work, travel, sports, study, volunteer work, internships, and working holidays abroad, with limited risk.
        • Coverage for work: insurance is specifically intended for people who want to travel and be active in temporary jobs and volunteer work while on the road.
        • No coverage for permanent stay: please note that this insurance is not intended for people who are going abroad for permanent residence and a career abroad.
        Medical expense coverage
        • Optional coverage for medical emergencies abroad with or without a deductible.
        • Pre-existing conditions are not included in the coverage.
        Personal accident coverage
        • Optional coverage.
        Personal liability coverage
        • Optional coverage.
        SOS and repatriation coverage
        • Coverage for medical evacuation, transport of a family member in case of emergency, search, rescue and recovery, repatriation of remains, assistance in case of loss of money and valuables.
        Coverage for travel luggage
        • Optional coverage.
        Travel cancellation
        • Optional cancellation coverage.

        CareMed International Insurance: price and costs

        Payment
        • The full amount for travel insurance can be paid by credit card or by direct debit from a German account. 
        • Payment is made monthly or in a single installment.
        Price level
        • Premiums and rates vary depending on the age of the insured person(s) and whether the US and Canada are included in your travel plans.
        • Different premiums and policy conditions apply to the 0-39 age group than to the 40-69 age group.
        • Refunds for the remaining months are possible under certain conditions if you return home early.
        Price quote
        • Available via the CareMed website.
        Referral fee

        CareMed International Insurance: support and application

        Preparation:
        • Advice: check and read the description of coverage carefully during the process of application, or getting a quote, so that you know what is covered and what not in detail
        • Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.
        Service level of JoHo:
        • The CareMed International Insurance is only offered without direct mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your official insurance broker with regard to this specific insurance, or in the event of problems with this insurer. 
        • However, JoHo Insurances remains available to advise you on your general insurance situation.
        Take out the insurance:
        • Purchase the CareMed Insurance through JoHo by using the links here on WorldSupporter.org.
           

        Apply or get a quote

         

        ... read more on the page, if applicable
        Expatriate Group International Travel Insurance

        Expatriate Group International Travel Insurance

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        The Expatriate Group International Travel Insurance

        • This International Travel Insurance is available as a single-trip, multi-trip and one-way, worldwide travel insurance, created by the British The Expatriate Group (TEG)
        • The travel insurance is available for all nationalities travelling anywhere in the world, for both leisure and business trips.
        • Multi-trip: maximum trip lengths of 42 or 90 days; purchase before the Insured Person obtains age 72
        • Single-trip: maximum trip length of 180 days; purchase before the Insured Person obtains age 71 
        • All revenues from purchasing this insurance through JoHo will be used for the JoHo WorldSupporter and JoHo Smokey Slum projects

        Get a quote and more info about: Expatriate Group International Travel Insurance

        Read more: about the coverage, premiums, terms and conditions

        ... read more on the page, if applicable
        SafetyWing Nomad Insurance

        SafetyWing Nomad Insurance

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        Table of contents

        • Brief description of the SafetyWing Nomad Insurance
        • Why take out the SafetyWing Nomad Insurance through the JoHo Foundation
        • Coverage and documents of the SafetyWing Nomad Insurance
        • Applying for the SafetyWing Nomad Insurance

         

        SafetyWing Nomad Insurance: characteristics

        Core:
        • An international travel medical insurance that covers people from all over the world while they are outside their home country.
        Costs:
        • Internationally active player in the mid-range segment in terms of costs
        Type of insurance:
        • A Temporary travel insurance.
        • A more specialized insurance than broad oriented travel insurance, focus on medical emergencies and interruptions during travel.
        • Modern and quick online applications, less advanced claim environment.
        • Good option for those who cannot take out a suitable insurance from their home country.
        Type of company:
        • The insurance provider is California-based company Safety Nest Inc. Safety Nest is part of WorldTrip.
        • The insurer is WorldTrip a Indianapolis-based insurance company, offering a comprehensive portfolio of travel medical and trip protection insurance products.
        • The insurance group of WorldTrip is the Tokio Marine HCC group of companies, headquartered in Houston, Texas.

        SafetyWing Nomad Insurance: duration limits of coverage

        Duration minimum:
        • 5 days.
        Duration maximum:
        • The coverage automatically renews every 28 days until you select an end-date or until 364 days have elapsed.
        Renewal:
        • There's no limit to how many times you can renew it. Whenever you buy a new plan with a new start date, any illness or injury you have had before or at the start date will be deemed a pre-existing illness or injury during this new active insurance period.
        Termination:
        • The insurance cover terminates on the last day of the period for which premium has been paid, or the moment of arrival upon your return to your home country, unless you have started a benefit period, or are eligible for home country coverage.

        SafetyWing Nomad Insurance: location and area limits of coverage

        Areas:
        • Worldwide coverage outside the usual country of residence.
        • Optional coverage USA: if you have this add-on, you'll have the same coverage on trips to the US, as you do outside the US.
        Home country:
        • After being abroad for 90 days, you retain your medical coverage for 30 days when you visit your home country (country of residence). 15 days if your home country is the U.S.
        Location:
        • You can take out this insurance when your journey has already started.

        SafetyWing Nomad Insurance: nationality and age limits of coverage

        Nationalities:
        • The insurance is intended for all nationalities.
        Maximum age:
        • Coverage is no longer valid once you reach the age of 70.
        Minimum age and children:
        • No cover for children younger than 15 days.
        • One child older than 14 days, but less than 10 years old, per adult, is included in the insurance without added cost. There is a maximum of 2 children per group (or family) that are included without added cost. Otherwise, regular base price (same as for ages 10-39).
        • Children must be accompanied by an adult on a group policy to be included without added cost. 

        SafetyWing Nomad Insurance: parts of the coverage

        Activities coverage:
        • Standard coverage: for traveling, sports, studying, volunteering and (unpaid) internships.
        • Optional coverage: for adventure sports including scuba diving, skydiving, white water rafting and more.
        • Work coverage: there is no cover for accidents during work (although it may seem online otherwise) in the SafetyWing Nomad Insurance. The SafetyWing Remote Health insurance is an alternative but only for companies and remote teams.
        Medical coverage:
        • The deductible for the insurance applies per period covered. Notable exclusions for pre-existing disease or injure and cancer treatment.
        Personal accident coverage:
        • Coverage depends on type of dismemberment or the accidental death.
        Personal liability coverage
        • Coverage is depending on type of liability.
        SOS and repatriation coverage:
        • Coverage for trip interruption, travel delay, natural disaster, political evacuation.
        Travel luggage coverage:
        • Standard coverage: for lost checked luggage.
        • Optional coverage: for electronics theft.
        Trip cancellation:
        • Not included.

        SafetyWing Nomad Insurance: price and costs

        Payment:
        • You can choose for automatic renewal every 28 days, or pay for the exact duration of your trip upfront. The price for 28 days is equal in both options.
        Price level:
        • Fare and premiums vary depending on age range of the insured person(s) and whether tot include the US in your trip or travel plan.
        Price quote:
        • Check de online quote and application tool on this page for the fare and premiums.
        Refunds:
        • The insurance can be canceled, pro-rated refunds are possible if you have not filed a claim, a cancellation fee usually applies at start.
        Referral fee:
        • SafetyWing will donate part of your premium to WorldSupporter if the insurance is taken out through JoHo Insurance. All income from the purchase of these insurance will be used for the WorldSupporter and Smokey Slum projects (WorldSupporter and Smokey Slum projects).

        SafetyWing Nomad Insurance: support and application

        Preparation:
        Service level of JoHo:
        • The SafetyWing Nomad Insurance is only offered without the mediation of an insurance intermediary. JoHo Insurances cannot act as your insurance broker for this insurance or in the event of problems with this insurer. JoHo Insurances remains available to advise you on your insurance situation
        Take out the insurance:
        • See below to apply for insurance.
        • See below to ask for a quote.
        ... read more on the page, if applicable
        World Nomads Travel Insurance

        World Nomads Travel Insurance

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        Table of contents

        • Brief description of the World Nomads Travel Insurance
        • Why take out the World Nomads Travel Insurance via the JoHo Foundation
        • Coverage and documents of the World Nomads Travel Insurance
        • Applying for the World Nomads Travel Insurance

         

        World Nomads Travel Insurance: characteristics

        Core:
        • An international travel insurance with coverage for independent backpacker, backpackers, students and volunteers
        Costs:
        • International travel insurance policies are generally in the higher price range. World Nomads Travel Insurance is also on the higher end of this category, partly due to the many additional coverage options.
        Type of insurance:
        • Temporary travel insurance.
        • One of the main international travel insurances with a strong international character and lots of travel information extra's.
        • A serious option for those who cannot take out a suitable insurance from their home country.
        • For full coverage of internships, sports, volunteering or work abroad, you usually need additional coverage.
        Type of company:
        • The insurance provider: World Nomads is the brand and distributor of the travel insurance you buy on worldnomads.com and associated sites  it does not issue the policies itself as an insurance company, but sells and services them.
        • The insurer: World Nomads uses local insurance companies (insurers) licensed in each country to issue the policies. In Europe the products are manufactured by Collinson Insurance Europe Limited (CIEL). In other markets travel policies products are manufactured by companies like Tokio Marine HCC, the American organization that also is behind the SafetyWing Nomad insurance.

        World Nomads Travel Insurance: duration limits of coverage

        Duration minimum:
        • No minimum limit
        Duration maximum: 
        • Up to 180 days per policy, with options to extend or buy new policies to reach a total of 12 months (365 days) for your entire journey. 
        • In case of the annual multi-trip insurance: 12 months total coverage (each trip within that year is limited to 45 days)
        Renewal:
        • You can extend when your plan changes, as long as you have not returned home.
        Start and termination:
        • The coverage starts the moment you depart your country of residence or in some cases, like the trip cancellation, it may start immediately.
        • The coverage ends on the date shown on your Certificate of Insurance, or the moment you return to your country of residence, or when the maximum trip duration allowed by the policy is reached. Once one of these happens, cover automatically stops.

        World Nomads Travel Insurance: location and area limits of coverage

        Areas and countries:
        • Worldwide coverage outside the usual country of residence.
        • The insurance fare and premiums vary depending on the countries you plan to visit. Destinations with higher medical costs usually lead to higher premiums
        Home country return:
        • In case of a medical emergency abroad, the insurance will repatriate you back to your home country for long-term care. Once you return home, your coverage for that injury or illness ends, and you must rely on the local healthcare system of your home country.
        Home country visit:
        • Coverage in your home country is generally suspended during a temporary visit. The insurance remains valid for the remainder of your trip once you leave again, provided it has not reached its original end date. 
        Location:
        • Possible to apply, even when you are already abroad.
        Risky destinations: 
        • The insurance does not offer war and high risk zone insurance.

        World Nomads Travel Insurance: nationality and age limits of coverage

        Current situation:
        • If you are a resident of the European Union, World Nomads is currently unavailable for purchase. 
        Nationalities:
        • Cover is available to residents of the many counties listed on the World Nomads website
        Maximum age:
        • Age limit may vary, depending on country of permanent residence. Generally the age limit is 79 years.
        Minimum age:
        • No minimum age

        World Nomads Travel Insurance: parts of the coverage

        Activities coverage:
        • Standard coverage: coverage for traveling, sports, studying, volunteering, internship and work abroad with low risks and non-manual work
        • Optional coverage: coverage for activities and sports with more risks 
        • Special features:
          • policy conditions and adventure sport coverage differ depending on country of permanent residence.
          • many activities have "special conditions," such as requiring a licensed guide or excluding personal liability.
          • you generally cannot upgrade your activity level once your trip has started. 
        Medical coverage:
        • Standard coverage: for medical emergency abroad and dental expenses
        • Special features: coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage. During the process of getting a quote or your application, you will have access to the terms and conditions that apply to you
        Personal accident coverage:
        • Coverage not standard included
        Personal liability coverage:
        • Standard coverage is depending on your country of permanent residence
        SOS and repatriation coverage:
        • Standard coverage: coverage for 24 hour emergency assistance, emergency medical transport and repatriation
        • Special features: hijacking can be included as an add-on
        Travel luggage coverage:
        • Standard coverage: coverage applies to gear that is lost, stolen, or accidentally damaged, provided you took reasonable care of it
        • Special features: additional cover for digital nomads, with extended coverage for cameras, laptops, notebooks
        Trip cancellation:
        • Standard coverage with a maximum
        Trip Interruption:
        • Standard coverage with a maximum

        World Nomads Travel Insurance: price and costs

        Payment:
        • Online payment can be done by credit card
        Price level:
        • How much does World Nomads travel insurance cost?
          • Minimum: costs start at around €4 per day on average.
          • Maximum: costs can rise to almost €10 per day, depending on your age, destination, specific activities, and chosen coverage.
        • No policy refund available should you return home early.
        Price quote:
        • Check de online quote and application tool on the World Nomads website
        Referral fee:
        • World Nomads Travel Insurance will donate a small fee to WorldSupporter if the insurance is taken out through a JoHo Insurance link. All income from the purchase of these insurance will be used for the WorldSupporter and Smokey Slum projects

        World Nomads Travel Insurance: support and application

        Preparation:
        • Advice: check and read the description of coverage carefully during the proces of application, or getting a quote, so that you know what is covered and what not in detail
        • Please note: insurance terms and conditions are subject to change at any time, and information on the website or other websites may contain errors. Therefore, always check the most recent terms and conditions and information on the website of the insurance company you are applying to.
        Service level of JoHo:
        • The World Nomads Travel Insurance is only offered without the mediation of an insurance intermediary. Unfortunately, JoHo Insurance cannot act as your insurance broker with regard to this specific insurance, or in the event of problems with this insurer. 
        • However, JoHo Insurances remains available to advise you on your general insurance situation.
        Take out the insurance:

         

        Apply: World Nomads Travel Insurance

         

        ... read more on the page, if applicable
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