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Travel insurance for domestic travel

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Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re travelling within Canada doesn’t mean that you won’t need backup if your travels take a turn for the worst.

World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road.

Why do I need travel insurance if I'm travelling domestically?

It doesn’t matter if you’re on a distant continent or in an adjacent province or territory – you could sprain your ankle, get into a car accident, or get delayed by inclement weather just about anywhere. A good travel protection plan can help prevent any of these unexpected events from turning into full-blown disasters.


Accidents and emergencies can happen in your own backyard – which is why it’s important to consider these five main benefits of domestic travel insurance.

  • Unexpected trip cancellation: An illness of an immediate family member or a work emergency can cause you to cancel your trip, and World Nomads travel insurance can help you recover your pre-paid non-refundable trip costs for these and other covered reasons.
  • Medical emergencies: Hospital bills and emergency office visits can really add up, especially when your GHIP won’t cover you out of province. These costs alone are a reason to purchase travel insurance for your domestic travels.
  • Trip interruption: Sometimes you can hit a bump in the road – in a literal and figurative sense. Maybe the Canadian government issued a ‘defer travel’ warning or maybe your travel companion got sick. This benefit covers meals, hotel stays and any other surprise expenses you could incur as a result of the setback.
  • Protection for personal belongings: If your camping gear gets stolen or your driver’s license damaged, you can recover the value of what you packed or get an equivalent replacement, up to a per item and total maximum limit.
  • Medical evacuation and repatriation: Sometimes the best place to get medical treatment is at a hospital back home. Be sure to call the 24/7 Emergency Assistance team to get approval.


It is important that you read and understand your coverage. There are limits and exclusions that apply to all insured travellers.

  • Pre-existing conditions: This exclusion applies to medical conditions and/or symptoms that existed prior to your policy’s start date. There may be no coverage if you or other persons have a pre-existing condition.
  • Alcohol- and drug- related incidents: There is no coverage for any alcohol-related sickness, death or injury or the abuse of medication, drugs or any other toxic substance.
  • Any losses related to the participation in illegal activities: For example, if you get injured while looting a store during a riot. 
  • Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment, and musical instruments. 
  • Travel supplier cancellations: If your airline or tour operator decides to cancel, you should seek refunds and credits or reschedule your trip directly with your supplier. 
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.

Why World Nomads travel insurance? 

Along with the benefits above, World Nomads travel insurance also includes important assistance services and features such as:

  • 24/7 Emergency Assistance team that can help you rebook flights, locate lost luggage, or replace stolen credit cards.
  • Our global network of security experts are on call 24/7. You can consult them for safety advisories and evacuation assistance.
  • Our adventure sports and activities coverage is part of our plans. You may need to purchase an additional upgrade, depending on your activity. From bungee jumping to scuba diving, read our Help Center article on what adventure travel insurance covers.

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
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

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
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

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
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

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
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

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
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.

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 team

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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