Travel Insurance Coverage when using Vacation Rentals
Travel insurance coverage for Canadians booking vacation rentals
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At a glance:
- World Nomads offers travel insurance for trips where you may be staying in a vacation rental.
- Our plans include emergency medical evacuation coverage if you get injured while staying at a vacation rental in remote areas.
- We provide gear protection if your equipment is stolen or accidentally damaged by your common carrier during your trip.
- If your trip is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.
- Why should I consider travel insurance when staying in a vacation rental?
- Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
- What level of travel insurance coverage do I need if I’m staying in a vacation rental?
- What may not be covered when staying in a vacation rental on your trip?
- Top safety tips we recommend for staying at a vacation rental
- FAQs
Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the United States and booking a beachside vacation rental in Florida, or perhaps you would rather stay in a treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected, and you may want to protect your adventure with World Nomads Travel Insurance for your trip staying in vacation rentals. Our adventure travel insurance plans include a range of benefits that could help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance when staying in a vacation rental?
Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation home or if a destructive storm causes you to miss a connection, keeping you from reaching your dream accommodations, travel insurance to cover your nonrefundable, prepaid, commercial vacation rentals may help you bounce back quickly with support for medical and travel emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re staying in a vacation rental.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we've designed our plans to include travel insurance for our trips when you stay in a vacation rental. We also offer coverage for more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when staying in a vacation rental -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked
Get a quote and compare the plans to see which level of coverage is right for you.
What level of travel insurance coverage do I need if I’m staying in a vacation rental?
World Nomads offers two plans for Canadian residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.
- Standard Plan – This is the most basic plan but includes up to $5,000,000 CAD in emergency medical expenses and $2,500 CAD for trip cancellation.
- Explorer Plan – This adventure travel insurance plan also covers trips that include vacation rentals but has higher limits of coverage.
When you’re not lounging around poolside at your vacation home, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because there are over 250+ sports, activities and experiences that could be covered when you purchase travel insurance for trips when you are staying at a commercial vacation rental. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the additional activities you list.
NOMADS TIP: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when staying in a vacation rental on your trip?
If you leave the burner on and the kitchen catches on fire, your travel insurance won’t pay for those damages. It’s up to you to make sure you take care of the home while you’re there. Some other things that aren’t covered include:
- Unattended baggage, gear or personal items
- Furniture or any other items that are part of the vacation rental
- Alcohol and drug-related incidents and illegal activities
- Not following government ‘Do Not Travel’ advisories issued by the Canadian government
- Staying in a vacation rental within your home province
- Participation in other activities not listed as covered in your policy
Top safety tips we recommend for staying at a vacation rental
- Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
- Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t list having one.
- Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
- Have emergency contact information for your host.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for the destination where your vacation rental is located.
- Register with Canadians Abroad to stay updated on emergency situations.
- Save a copy of your vacation rental travel insurance documents in your phone. Have the phone number for the 24/7 Emergency Assistance team easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for vaction rentals. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Is staying in a vacation rental covered under World Nomads Travel Insurance?
Yes, you can cover your prepaid, non-refundable, commercial vacation rental under both plans offered by World Nomads Travel Insurance. There are also 250+ sports, activities and experiences that may be covered.
When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the additional activities you list. If you aren’t sure if something is covered, we suggest you contact us to ask.
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What types of incidents are covered while staying in a vacation rental?
If your trip is cancelled, delayed, or interrupted due to an unforeseen event, you may be able to recover your non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, prepaid, non-refundable accommodations that you paid for in advance. If you get hurt while staying in a vacation rental and require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government travel advisories advising travellers not to travel to a destination on your itinerary.
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Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads offer travel insurance for trips staying in vacation rentals overseas?
Yes, some of the best vacation rentals are outside of Canada and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Italy, you could have the opportunity to stay in a rustic villa in a vineyard. When you get a quote for travel insurance for trips when staying in a vacation rental, you’ll need to input where you’ll be travelling.
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What should I do if I get hurt while I’m at a vacation rental?
You can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They can also translate for you if you’re travelling outside Canada and your medical team doesn’t speak English or French. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250+ sports, activities and experiences. Things like hiking, biking, and swimming could all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by both plans offered by World Nomads, and you could be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and vacation rentals if your trip is cancelled for a covered reason.
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What happens if my bags are delayed?
If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for the cost of (up to the policy limits) essential items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for cool vacation rentals around the world?
Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
The Caribbean: Bungalows on Royal Island
United States: A treehouse with free-roaming alpacas in Atlanta
Italy: A rustic villa on a vineyard
Costa Rica: A luxury pool home in the jungle
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)
Contact the teamBefore your trip, check the latest government advice for any travel alerts for your destination.