Buy Travel Insurance Away from Home.
Get covered by World Nomads, even if you're already on the road.
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If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.
We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
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 72 hours for full cover to apply and certain benefits (like pre-trip cancellation) may not apply as you’ve already left your home country.
Your policy wording will have full details to understand the cover, limits and exclusions.
- Buy while traveling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamGet 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
Travel Insurance coverage for Family Trips
Bringing the kids? Cover them all with one travel protection plan
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At a glance
- World Nomads travel protection may cover up to seven dependent children on a single plan when U.S. residents from the same state travel together.
- Family coverage may help with emergency medical expenses, medical evacuation, trip cancellation or interruption, and baggage protection.
- Plans include coverage for more than 250 activities, giving families flexibility to explore together.
- Standard, Explorer, and Epic plans offer different benefit levels, and children are covered up to the same per-person limits as adults.
- Why should I get family travel insurance?
- Who is covered under a family travel insurance policy?
- How can World Nomads Travel Insurance cover me and my family?
- Coverages for Family Trips
- What may not be covered?
- Are dependents covered up to the same policy limits?
- Top safety tips we recommend for your family trip
- FAQs
Taking the kids along this time? We love seeing young travellers discover the world. With World Nomads, you may be able to cover up to seven of your dependent children—if you’re adventurous enough to bring them all!
Why should I get family travel insurance?
Travelling with kids is full of adventure—and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Family travel insurance may help you manage those unexpected moments and keep your trip on track.
Travel insurance for families may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What happens if you or your travel companion becomes ill or injured while on a trip with the kids? World Nomads family travel insurance plans may cover the transport of your minor children back home, accompanied by an attendant if necessary.
With travel insurance for kids and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
Who is covered under a family travel insurance policy?
When you buy a family travel insurance plan, coverage may extend to:
- Parents or legal guardians travelling with their dependent children (less than 21 years of age or up to 25 years of age if they are full-time students).
- Families who live in the same province and are Canadian Residents
- Your dependent natural, adopted, step or foster children.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on a single-family travel insurance plan—for the same price
If your kids don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be travelling with you on the plan to ensure coverage for your whole family.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel insurance plans, designed for travellers by travellers, to help you travel confidently on your next family vacation. Our two plans offer differing levels of coverage, so it’s important you compare plans and pick the best one for your trip. Subject to terms and conditions, our plans offer coverage for:
Coverages for Family Trips
What may not be covered?
- Non-emergency treatment that can wait until you return home
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.
- Participation in a sport or activity not listed in the covered activities list
Important to Know
You will still need to have Government Health Insurance Plan coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.
Are dependents covered up to the same policy limits?
Yep! Your kids are covered up to the same limits even though they are travelling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person.
Nomads Tip call-out box: World Nomads Travel Insurance can also cover your family travels within Canada! Your Government Health Insurance Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
Top safety tips we recommend for your family trip
- Have a “Who to Contact First” Plan: Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and policy number. Keep it on paper and in your mobile in case batteries run low.
- Set a Family Meeting Point: For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated. Make it precise, like “Under the main departures board,” not “near security.”
- Share Live Location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc to keep track of everyone family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a cellphone, consider putting an AirTag on their shoe or backpack.
- Split Important Cards and Cash: Don’t keep all bank cards, cash, and passports in the same bag. Each adult (or responsible teen) carries one payment card and a copy of ID.
- Create Digital Backups of Documents Like: your passports, visas, travel insurance details, prescriptions, etc. Save them in a password-protected cloud folder and on a small USB.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for your family trip destination.
- Register with Canadians Abroad to stay updated on emergency situations.
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like travelling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
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 about your coverage, just ask us.FAQ
Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy a family travel insurance plan if we're already on our trip?
Yes, you may be able to buy family travel insurance after your trip has started. If you’re already travelling and realize you need coverage, you can still purchase travel insurance while abroad, as long as you meet the plan’s eligibility requirements and your trip is outside your home province. You can choose the length of coverage that fits your itinerary—up to 365 days per trip (if your trip is more than 183 days (212 for Ontario and Newfoundland) you must have written evidence of extension of your Government Health Insurance Plan (GHIP) to qualify for coverage under the plan). Always review your plan wording carefully to understand when your coverage begins and ends.
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If the airlines lose our bags, am I covered?
Yes, World Nomads travel insurance provides coverage for lost or stolen baggage. Exclusions apply. For more details visit our baggage and gear page
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What is covered if we need to cancel our family trip?
You would only be eligible for reimbursement if you cancelled for a covered reason as listed in your plan documents. These reasons could include being too sick and your physician has advised you not to travel or the unexpected death of a family member.
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What if one of the family gets sick while travelling?
If you or a member of your family is injured or gets sick while you’re travelling, and you’ve bought the plan for the activities you’re doing, emergency medical expenses may provide coverage for: hospitalization; out-patient treatment for medical emergencies; prescribed medicines, X-rays, and laboratory tests; and being brought home, if medically necessary.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Scuba Diving Travel Insurance
Canadians can protect their scuba dives with travel insurance
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At a glance:
- World Nomads plans provide cover for recreational scuba diving and shark cage diving up to 30 metres, with the ability to pay an extra premium and be covered for scuba diving and cavern diving up to 40 metres, and working as a scuba diving instructor or guide
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving.
- Plans cover lost, stolen, or damaged diving gear and luggage.
- Access to emergency assistance anytime, anywhere.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance: What may be covered?
- What level of travel insurance coverage do I need for my scuba diving trip?
- What may not be covered when scuba diving?
- Top safety tips we recommend for your scuba diving trip
- FAQs
You’ve gotten your PADI certification and now you’re ready to explore beneath the ocean’s surface. From coral reefs in the Caribbean to shipwrecks in Europe, there’s no shortage of divine dive sites around the world. And while calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, accidents can still happen. Our travel insurance plans include a range of benefits for scuba diving that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my scuba diving trip?
A slip and fall on the dive boat, decompression sickness, jellyfish stings, and ear barotrauma are just some of the unexpected issues that could derail even the most carefully planned dive trip. Travel insurance coverage designed for scuba diving may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently – whether you're diving among the abundant marine life in the Florida Keys or alongside the Great Wall of China (yes, that’s possible!).
Scuba diving travel insurance: What may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while travelling. We also offer coverage for more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
Decompression sickness and cuts from coral while diving -
24/7 Emergency Assistance
Your first call in any emergency situation -
Baggage & Gear Coverage
Broken or damaged scuba diving gear (while transported via a common carrier, like a commercial airline) -
Trip Cancellation
Reimbursements if you’re too sick to go on your dive trip
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 for my scuba diving trip?
World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.
- The Standard plan includes travel insurance for recreational scuba diving and cavern diving up to 40 metres, as well as working as a scuba diving instructor or guide
- The Explorer plan also covers those activities but has higher limits of coverage.
When you purchase your policy, you’ll need to list scuba diving, and all of the other activities that you plan to participate in while on your trip. The main purpose of your trip may be diving, but you may also be doing other fun things like kayaking or sailing. There’s over 250 other sports, activities and experiences that may be covered. 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.
Recreational scuba diving and shark cage diving up to 30 metres are considered Level 1 activities and are automatically covered, but you’ll still need to list them when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like scuba diving or cavern diving up to 40 metres, and working as a scuba diving instructor or guide. If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
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 scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Dives that are deeper (over 40 metres) than your adventure travel insurance coverage allows
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Unattended baggage, sporting equipment or personal items
- Travelling within your home province
- Diving if your doctor has advised against it
- Commercial scuba diving
Top safety tips we recommend for your scuba diving trip
- Research your dive company: Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment.
- Don’t dive without proper certifications: Make sure you’ve gone through the proper coursework through PADI or NAUI based upon the type of dive you’ll be doing. If you don’t have the proper certification for your dive, you won’t be covered by your travel insurance for scuba diving.
- Check (and double check) your scuba gear before getting in the water: Make sure everything is working properly and if you’re unsure about anything, let your guide know.
- Don’t dive alone or swim off on your own: Even if you see something cool underwater, don’t go check it out alone – you and your dive buddy need to stay together. Always know where your guide and buddy are at all times.
- Keep an eye on your air gauge: Monitor this closely so you can plan your return to the surface accordingly. Always make sure you have enough air to complete your dive.
- Ascend slowly and safely: Coming back to the surface too quickly can cause serious problems. Make sure to do safety stops at the appropriate depths.
- Store a copy of your scuba diving travel insurance coverage in a dry bag: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for scuba diving. 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 scuba diving covered under World Nomads Travel Insurance?
Yes, World Nomads offers travel insurance coverage for scuba diving, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Recreational scuba diving and shark cage diving up to 30 metres are considered Level 1 activities and are automatically covered, but will still need to be listed when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like scuba diving or cavern diving up to 40 metres and working as a scuba diving instructor or guide. If you are doing something else on your trip and aren’t sure if it’s covered, you should contact us to make sure.
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What types of incidents are covered while scuba diving abroad?
If your trip is cancelled, delayed, or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the policy limits), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and require medical assistance, emergency medical expense coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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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 Travel Insurance offer coverage for scuba diving outside of Canada?
Yes, there are so many great places to scuba dive around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Australia, you could have the opportunity to dive the Great Barrier Reef or the SS Yongala, which is considered one of the best wreck dive sites in the world. When you get a quote for travel insurance for scuba diving, you’ll need to input where you’ll be traveling, and also list scuba diving as one of your activities.
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What should I do if I get hurt while scuba diving?
If you have travel insurance coverage for scuba diving and unexpectedly get hurt, you must 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 of Canada and your medical team doesn’t speak French or English. 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, with your adventure travel insurance benefits, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping may 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 may be reimbursed for pre-paid, unused, non-refundable expenses like flights, scuba diving tours and accommodations if your dive trip is cancelled for a covered reason.
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What happens if my bags are delayed?
When you purchase travel insurance for diving, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for your next scuba diving trip?
Not sure where your next scuba diving adventure should take you? Check out some of our favorite places around the world to dive and get destination-specific travel insurance tips to help you plan with confidence.
Best Scuba Diving Spots on Australia’s East Coast
Into the Deep: Scuba Diving the Great Wall of China
Trinidad & Tobago Discoveries: Caribbean Scuba Diving
Scuba Diving in Cuba: The 6 Best Dive Sites
Best Scuba Diving in Japan: 5 of the Top Dive Sites
Scuba Diving in Colombia: Here’s Why It’s Perfect
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
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for Canadians
- As featured in:
As featured in:
At a glance:
- World Nomads offers hiking and trekking travel insurance to help cover medical emergencies, gear loss, and trip cancellations.
- You can choose a plan and corresponding activity level based on your trek’s maximum elevation, with coverage available up to 6,000 metres.
- Our plans include emergency medical evacuation coverage if you get injured or sick while hiking in remote areas.
- We provide hiking gear protection if your equipment is stolen or accidentally damaged during your trip.
- If your trek is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Hiking and trekking travel insurance coverage
- What benefits are covered with hiking travel insurance?
- What may not be covered?
- Top tips for your hiking adventure
- FAQs
Whether you’re trekking to Base Camp or hiking a Canadian mountain range you may want to protect your adventure with World Nomads Travel Insurance. Our travel insurance plans include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia, peaks in Asia, or your local national park.
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.
Hiking and trekking travel insurance
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Standard & Explorer Plans
Hiking and trekking trips covered up to 3,000 metres -
Optional Extra
Hiking and trekking trips covered up to 6,000 metres
Plus, our plans include coverage for 250+ other activities you might do along the way, so you can explore confidently, wherever your backpack leads you. Get a quote and compare the plans to see which level of coverage is right for you.
What benefits are covered with hiking travel insurance?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Emergency medical expenses:if you fall and get hurt while hiking, you may need medical help. Our emergency medical coverage for illness or injury may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your injuries are severe, acute, or life-threatening our plans may cover emergency medical evacuation and transportation to a medical facility best suited for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
What may not be covered?
- Any alcohol related sickness, death or injury or the abuse of medication, drugs, alcohol or any other toxic substance.
- Travel within your home province
- Unattended baggage, sporting equipment or personal items.
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Hiking or trekking over 6,000 metres.
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 hiking travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quoteTop tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider asking a doctor before you leave about altitude medication or other helpful prescriptions you can take with you.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel insurance plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers two different plans, each with the opportunity to add additional activity coverage for higher risk activities. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travellers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse your prepaid, non-refundable trip costs if you cancel for a covered reason (like unexpected sickness or injury). Planning ahead means more protection. However, if you’re already on your trip, you can still purchase travel insurance (certain waiting periods may apply).
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Am I eligible to purchase travel insurance from World Nomads?
To be eligible for coverage under this policy you must:
- agree that Canada is your country of residence at the time tour policy is purchased and for the full duration of your trip;
- be less than 66 years of age at the time your policy purchase date; and
- be travelling for a maximum of 365 days.
To be eligible for trip cancellation coverage you must:
- purchase this policy prior to your start date; and
- have purchased your policy not more than 18 months prior to your start date.
To be eligible for all other coverage under this policy, you must be covered under Your GHIP for the full duration of your policy to be eligible for the maximum emergency medical benefits. If you do not have GHIP coverage while on your trip, your aggregate limit for all emergency medical benefits will be limited to $40,000 CAD for the full duration of your trip.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency medical evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Emergency Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Medical evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for travel insurance coverage with World Nomads?
Yes, there are two different altitude maximums.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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Do I need travel insurance coverage for multi-day hiking trips?
Yes, you must purchase your travel insurance plan to cover the full duration of your trip outside of your home province.
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
High-altitude hiking: prepare and train
Travel insurance coverage for Asia
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 about your coverage, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for Extended Trips
Flexible Coverage for U.S. Travelers Abroad
- As featured in:
As featured in:
At a glance
- Flexible protection for long trips up to 180 days and an Annual Plan option for multiple shorter getaways.
- Coverage may include emergency medical care, trip cancellation and interruption, lost bags, and 24/7 worldwide non-insurance emergency assistance.
- Built for adventurous travelers, with coverage for 250+ activities from hiking and diving to skiing.
- Optional Cancel for Any Reason add-on to help protect you if plans change (not available in NY, additional terms and cost apply).
- What ‘Long-Term Travel Protection’ really means for your trip
- What's included
- What’s excluded
- Trip length maximums
- What if I don’t know how long I want to travel for?
- FAQs
Planning an extended trip with no set return date? World Nomads offers flexible long-term travel insurance coverage designed for adventurous U.S. residents exploring the world. Whether you’re traveling for several weeks or up to 180 days on a single trip, our plans may help protect you along the way — even if your journey includes adventure activities like hiking, diving, or skiing. Prefer to take multiple shorter getaways? Our Annual Plan may cover several trips per year, with each lasting up to 45 days.
What ‘Long-Term Travel Protection’ Really Means for Your Trip
Our plans offer a variety of benefits suited for all types of travelers, from digital nomads to students on a study abroad program to families taking long holidays overseas. Whether you’re going on a long trip or a short trip, our travel protection plans may include:
Benefits of long-term coverage
Exclusions
- Non-emergency treatment that can wait until you get home
- Travel within 100 miles from your primary residence
- Any reckless or illegal behavior, including being under the influence of alcohol or drugs
- Pre-existing conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
Trip Length Maximums
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| 180 days Get a quote |
180 days Get a quote |
180 days Get a quote |
45 days per trip Get a quote |
What if I don’t know how long I want to travel for?
If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options that may ensure you’re covered while you’re away:
- Purchase a new plan: If your plan has expired, you may be able to purchase a new one while you’re still traveling. Just note your coverage takes effect at 12:01 a.m. local time the day after you purchase your plan and will not cover any events that happened prior to the new plan’s start date. Your plan document will have full details to understand what’s covered, limits and exclusions.
- Consider the optional “Cancel for Any Reason” benefit: It’s unfortunate, but it happens: You plan a big trip months in advance, only to have something come up that is now stopping you from going. The trip cancellation benefit may help recover your travel expenses (up to the maximum benefit amount), and may include unused, pre-paid, non-refundable travel arrangements you paid for in advance, but a certain qualifying event would have to happen (sickness, natural disaster, etc.) But what if your dog is sick or you break up with your partner or you get a new job? Instead of losing all the money you put down, consider adding on the “cancel for any reason” benefit to your Explorer or Epic travel protection plan during the time-sensitive period to protect those long trips (and big investments!). Not available in NY, additional cost and terms apply.
FAQ
Here are our most frequently asked questions about cover for long-term insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy travel a travel protection plan for long term travel after I’ve already started my trip?
Yes. If your long term vacation has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel protection coverage online anytime, from anywhere in the world. World Nomads Travel Protection for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage while on your long term vacation, you’ll need to purchase your plan at least the day before you need coverage.
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How long can I travel with a World Nomads travel protection plan for long trips?
U.S. residents may be covered for trips lasting up to 180 days under a single-trip plan. If you plan to travel longer, you may be able to buy another plan once the first one ends, provided you still meet eligibility requirements. An Annual Plan has a maximum of 45 days per trip.
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What do travel protection plans typically cover when it comes to long term trips?
Coverage may include emergency medical expenses, evacuation, trip interruption, baggage protection, and 24/7 non-insurance emergency assistance. Each claim is assessed individually, so review your plan document to understand what may be covered based on your trip activities and destination.
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Is long-term travel protection the same as expat or international health insurance?
No. Travel protection plans are designed for travelers on extended trips who still consider the United States their primary residence. Expat or international health insurance is for those relocating abroad permanently or for long stays. If you’re unsure which suits you, check your travel plans and duration before purchasing.
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Can I extend my travel protection plan if I decide to stay abroad longer?
You may be able to extend or purchase a new plan while traveling, depending on your eligibility and how long you’ve been away. Extensions must usually be made before your plan expires — always review your plan terms or contact World Nomads for assistance before your coverage end date.
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What kinds of travelers could benefit from long term travel insurance coverage?
Travel insurance coverage for long trips is ideal for digital nomads, gap-year students, retirees exploring the world, and anyone taking an extended overseas adventure. It may help protect you against unexpected medical emergencies, trip interruptions, or lost belongings during longer journeys.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance coverage for Family Trips
Bringing the kids? Cover them all with one travel protection plan
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At a glance
- World Nomads travel protection may cover up to seven dependent children on a single plan when U.S. residents from the same state travel together.
- Family coverage may help with emergency medical expenses, medical evacuation, trip cancellation or interruption, and baggage protection.
- Plans include coverage for more than 250 activities, giving families flexibility to explore together.
- Standard, Explorer, and Epic plans offer different benefit levels, and children are covered up to the same per-person limits as adults.
- Why should I get travel protection for my family trip?
- How can World Nomads Travel Insurance cover me and my family?
- Coverages for Family Trips
- What may not be covered?
- Are dependents covered up to the same plan limits?
- Who can be covered under one travel protection plan for a family trip?
- Top safety tips we recommend for your family trip
- FAQs
Taking the children along this time? We love seeing young travelers discover the world. With World Nomads, you may be able to cover up to seven of your children—if you’re adventurous enough to bring them all!
Why should I get travel protection for my family trip?
Traveling with children is full of adventure—and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Travel insurance coverage for families may help you manage those unexpected moments and keep your trip on track.
Travel insurance for your family trip may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What happens if a parent or caregiver becomes ill or injured while on a trip with the children? World Nomads Travel Insurance plans for families may cover the transport of your minor children back home—accompanied by an attendant if necessary—if an insured adult is hospitalized for at least seven days or passes away during the trip.
With travel protection available for children and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
*Offerings may vary based on plan purchased and state of residence. Full terms of the plan apply.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel protection plans, designed for travelers by travelers, to help you travel confidently on your next family vacation. Our four plans each offer differing levels of coverage, so it’s important you compare plans and pick the best one for your family trip. Subject to terms and conditions, most of our plans offer coverage for:
What may not be covered?
- Pre-existing Conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
- Participation in activities not listed in our 250+ sports, activities and experiences
Are dependents covered up to the same plan limits?
Yes! The maximum benefit amount shown on the plan is the maximum amount payable per person (including children) based on the Standard, Explorer or Epic plan selected.
Who can be covered under one travel protection plan for a family trip?
When you buy a travel protection plan for family trips, coverage may extend to:
- Parents or legal guardians traveling with their dependent children (see plan document for definition).
- Families who live in the same U.S. state and are S. residents.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on one travel protection plan.
If your children don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be traveling with you on the plan to help ensure coverage for your whole family.
Top safety tips we recommend for your family trip
- Have a “Who to Contact First” Plan: Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and policy number. Keep it on paper and in your mobile in case batteries run low.
- Set a Family Meeting Point: For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated. Make it precise, like “Under the main departures board,” not “near security.”
- Share Live Location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc to keep track of everyone family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a cellphone, consider putting an AirTag on their shoe or backpack.
- Split Important Cards and Cash: Don’t keep all bank cards, cash, and passports in the same bag. Each adult (or responsible teen) carries one payment card and a copy of ID.
- Create Digital Backups of Documents Like: your passports, visas, travel insurance details, prescriptions, etc. Save them in a password-protected cloud folder and on a small USB.
- Check with the US Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like traveling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
20251118-4994389.FAQ
Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy an Annual Plan for my family?
No, the Annual Plan is only available per person. You can buy an Annual Plan for each family member separately.
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What may be covered if we need to cancel our family trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and other travel arrangements if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased. Cost and terms apply.
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What if one of the family gets sick while traveling?
If you get hurt or sick while vacation, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Flexible Travel Insurance for Expats
Learn why expats choose World Nomads for their overseas getaways and holiday breaks.
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As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
With flexible travel insurance that covers more than 250 activities, it’s no wonder expats keep turning to World Nomads for travel insurance for their overseas getaways and holiday breaks.
If you’ve left home without travel insurance or your plan has run out while you’re still on the road, don’t panic. World Nomads has got you covered with simple and flexible travel insurance* plans that you can buy online, anytime, from anywhere in the world.
Travel insurance for expats
World Nomads was founded by, and is operated by, people who have lived and worked overseas. We know that one of the best things about being an expat is the opportunity to explore neighboring countries and places.
There are three main reasons expats keep coming back to World Nomads for their travel insurance:
1. Flexible travel insurance
We know it’s not easy finding travel insurance when you’re not living in your home country, so have designed our travel insurance to be flexible, so you can purchase it for as long (up to 180 days for a single trip plan or 45 days for an Annual Plan), or as little, as you need. Note that you do need to come back to your home in the US in order to close out your trip; you cannot keep buying travel insurance plans without returning to the US after the maximum length is up.
2. Accessible online travel insurance even after you’ve left home
All you need is a good internet connection to purchase a plan, no matter if you are home or on the road, to get a travel insurance quote. Answer a few simple questions about your trip and follow the prompts that will outline the coverage and benefits we offer. We offer two types of plans – Single Trip or Annual Travel Insurance. Within our single trip plans, we also have three levels of coverage– you can compare them when you get a quote and select the one that best suits your needs. Then read and accept the terms and conditions, pay for your insurance, and you’re done.
3. All the essentials you need covered, and more...
We designed our travel insurance plans around what our travelers most often claim for and tell us they want.
- 24/7 Emergency Assistance in multiple languages for a range of services. If you need help (medical, lost bags, crimes, natural disasters, etc.), they should be your first call.
- Emergency medical expense coverage that may include hospitalization, same day surgery and out-patient treatment, emergency dental coverage, and visits to registered medical practitioners.
- Coverage for delayed, lost or stolen baggage, gear and sporting equipment.
- Coverage for your non-refundable, pre-paid transport and accommodation expenses when you’ve had to unexpectedly cancel your trip for a covered reason.
- Mechanical breakdowns or transportation strikes that shut down travel on common carriers for 24 consecutive hours.
- Coverage for more than 250 adventure activities, sports and experiences, including rock climbing, snowboarding, bungee jumping, hiking and snorkeling.
- Coverage when your trip is delayed, interrupted or cancelled due to a covered reason.
- Pre-trip medical support via our non-insurance service partners at Runway Health & FootprintID. If you need vaccines or medicines for your vacation destination, we’ve got your back.
Some of our higher tier plans (Explorer and Epic) also offer coverage for:
- Rental Car Protection (applicable to state regulations; read your plan to make sure your state is covered).
- Travel inconveniences, like a ski resort that shuts down due to lack of snow or your cruise misses a port of call due to inclement weather. Note that you must have purchased your plan during the time-sensitive period in order to qualify for this benefit.
- Pet Kenneling for your furry friend if your travel delay causes them to stay at least six hours longer at their kennel than expected.
- Trip Exchange if your travel supplier (like a tour company or cruise) changes the dates on you and you are forced to incur extra expenses, or even cancel, as a result.
- Missed connection coverage for when you arrive too late to make your trip departure (like on a cruise or tour group) and you incur extra expenses to join at a different location (or port).
You can also add “Cancel for Any Reason” coverage to the Explorer and Epic plans, although an additional cost will be incurred. You must add this benefit to your plan during the time-sensitive period of 7 days after you make your first payment or deposit towards your trip. You may want to consider this if you are planning a big trip and have invested a lot of money, or if you are worried something could come up in the future that could cause you to miss it.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Broken glass shards
At 12:00 in the afternoon after a yoga class, I took a large jar of coconut water from the fridge, and accidentally dropped it on the counter and slipped onto the broken glass shards. I slipped while holding a jar. I hit my left wrist on the broken glass shards and had cut wound as a result. I looked at it quickly, saw open flesh flapping, wrapped it in a clean towel and called a taxi to go to the hospital as soon as possible. I had pain and numbness in my right wrist. No neck injury, no head injury, no other injuries apparent.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for US Residents
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As featured in:
At a glance:
- World Nomads offers plans that cover hiking at high altitudes, including treks 26,247 feet/8,000 meters with the Epic Plan.
- All travel insurance plans have coverage for emergency medical expenses, evacuations, baggage loss, trip cancellations, and 250+ other adventure activities.
- Optional Cancel for Any Reason (CFAR) coverage adds flexibility if plans change unexpectedly (must be added within 7 days of first deposit for your trip).
- Access pre-trip telehealth services to get travel medication, like altitude sickness pills or necessary vaccinations, before you go.
- How can I protect my hiking trip with travel insurance coverage?
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Travel insurance benefits for hiking
- What's not covered
- Top tips for your hiking adventure
- Other adventure activities covered
Whether you’re trekking to Everest's Base Camp, Tanzania's Mt. Kilimanjaro or just going for a high-altitude hike in a neighboring state, you may want to protect your adventure with World Nomads Travel Insurance. Our travel protection plans include a range of travel insurance benefits that could help with everything from stolen bags to unexpected medical expenses.
Hiking and trekking travel insurance coverage
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer coverage for some of the world’s most famous hikes and 250 other sports, activities and experiences.
We offer four plans – Standard, Explorer, Epic and Annual – each with different maximum elevaton coverages for your hike:
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Standard Plan
covers hikes up to
19,685 feet/6,000 meters -
Explorer plan
covers hikes up to
21,325 feet/6,500 meters -
Epic plan
covers hikes up to
26,247 feet/8,000 meters -
Annual plan
covers hikes up to
19,685 feet/6,000 meters
Get a quote and compare the plans to see which level of coverage is right for you.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia or embarking on the Tour du Mont Blanc.
What travel insurance benefits could cover you and your hiking trip?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Medical expenses: if you get hurt while hiking on your trip and need medical attention, our accident and sickness medical expense insurance benefit may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your hiking injuries are severe, acute, or life-threatening our plans may cover evacuation and transportation to a medical facility best suited for your care, subject to approval from the treating medical physician and the non-insurance 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
- Natural disaster evacuation assistance: if unforeseen severe weather or natural disaster event puts a stop to your trekking adventure, your plan may cover costs to get you out of there and to the nearest place of safety. Certain conditions and limitations apply.
All plans also include several additional non-insurance services that may support you both before and during your hike. These include pre-trip medical consultations and storing your medical records digitally.
What may not be covered?
- Being under the influence of narcotics
- Unattended baggage, sporting equipment or personal items.
- Travel within 100 miles of your home.
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 quoteTop tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider using our pre-departure telehealth service to obtain prescription medications for the most common travel needs, like altitude sickness pills, delivered to your door before you leave on your trip.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits for covered activities. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel protection plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers three single-trip travel protection plans (Standard, Explorer, and Epic), plus an Annual Plan, each with different elevation coverage to match your goals. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travelers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse non-refundable costs if you cancel for a covered reason (like sickness or injury). If you’re considering purchasing the Explorer or Epic plans with optional Cancel For Any Reason (CFAR) coverage, it must be purchased within seven days of your first trip deposit (such as booking a flight or putting money down on a hotel). Purchasing early also gives you access to our non-insurance pre-trip telehealth service, which can help you get essential medications—like altitude sickness pills or antibiotics just in case last night’s campfire chili doesn’t agree with you. Planning ahead means more flexibility and fewer surprises on the trail.
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Medical Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for insurance coverage with World Nomads?
Yes, each plan has a different altitude maximum.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
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Do I need insurance coverage for multi-day hiking trips?
Yes, multi-day hiking and trekking adventures may require more robust travel insurance coverage due to the added risks of being in remote areas for extended periods. World Nomads offers a range of plans that may cover emergency medical care, evacuation, trip cancellation, gear protection, and more. Our plans also include different elevation limits, so whether you're doing a relaxed overnight hike or a challenging high-altitude trek, you can choose a plan that fits the level of adventure you're planning.
- Elevation coverage maximum by plan:
- Standard Plan – up to 19,685 feet / 6,000 meters
- Annual Plan – up to 19,685 feet / 6,000 meters
- Explorer Plan – up to 21,325 feet / 6,500 meters
- Epic Plan – up to 26,247 feet / 8,000 meters
- Elevation coverage maximum by plan:
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
20250224-4259830Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly died?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
We cover 250+ activities you love
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance for Trip Cancellation
Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
- As featured in:
As featured in:
If you’ve booked and paid for your trip and need to unexpectedly cancel, the last thing you want is to be out of pocket for non-refundable trip costs. World Nomads travel insurance plans offer coverage for your non-refundable, pre-paid travel arrangements, such as transportation and accommodation expenses if you need to cancel your trip for a covered reason. So, you’ll have one less thing to worry about and you can start saving for your next adventure instead.
What is travel insurance trip cancellation coverage?
If you must cancel your trip due to a covered reason, there's trip cancellation coverage in both our Standard and Explorer travel insurance plans. We cover your non-refundable prepaid trip costs (up to the maximum limit listed in the schedule of benefits) if you can't travel for a covered reason.
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician that prohibits them from travelling, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- Your or your travel companion’s business partner.
We know more than illness can stop you from travelling, so we also provide trip cancellation coverage in cases like these:
- The Canadian government issues a formal advisory against travel to a destination, country or region listed on your itinerary. The advisory must be issued after both the date you paid for non-refundable prepaid travel arrangements and after your policy effective date. Note there is no coverage if an advisory is issued due to an epidemic or pandemic.
- Your principal residence or destination residence is made uninhabitable by a natural disaster or unintentional act.
- You or your travelling companion are a victim of a felonious assault within 10 days prior to your trip start date.
- A strike stops all travel services at your departure point or destination.
- Your travel supplier files for bankruptcy or completely ceases operations more than 14 days after your policy purchase date and the loss incurred is not recoverable from any other source.
It's important to note that trip cancellation coverage will not be available for an event or circumstance that is known before you purchase your travel insurance. Examples include, but are not limited to: an already-announced strike, an already-named hurricane and a pre-existing medical condition.
When you get a quote, be sure to read through the policy to understand the coverage and what the limits are, and any conditions and exclusions that apply. If you have questions regarding the coverage, please contact us.
What's not covered by travel insurance trip cancellation coverage?
Travel insurance isn't designed to cover everything. Here are some things that are not covered by your World Nomads plan:
- If you change your mind about travelling
- If your visa is refused
- If you break up with your partner
- Events that are known before you buy the policy
- Pre-existing medical conditions that are excluded in the policy
Be prepared if you need to claim for trip cancellation
Depending on your trip cancellation claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors/death certificates
- Medical history
- Written documentation from the travel provider of reason for cancellation and any refunds
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 about your coverage, just ask us.
Wife's accident cancels Kilimanjaro.
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
S.Korpak. Norwegian Nomad.
FAQ
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Is there a time period that I have to claim within?
Our policy requires you to notify us of a cancellation no later than the next business day. If you're waiting on documentation, just let our customer service team know, so they can make a note.
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If I'm having trouble getting documents from my travel provider, will you get them for me?
It's up to you to provide all of the documentation to support your claim.
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Can I get a refund on my policy as I'm not travelling?
If you're making a claim, or you're outside of the free look/cooling off period, there are no refunds.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need prescription meds?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- You or a family member deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams 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?
Contact the teamTravel Insurance Benefits for Delayed Bags
Learn how travel insurance benefits may help US Residents if an airline delays their bags
- As featured in:
As featured in:
At a glance
- World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
- Travel insurance benefits for delayed bags are included in all World Nomads plans (per-day and maximum limits vary by plan)
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes
- A non-insurance service that’s included with all plans may help reunite you with lost checked baggage
- Why should I consider travel insurance and non-insurance assistance services for delayed bags?
- Items You May Be Reimbursed For
- Some exclusions that may not be covered
- Maximum Benefit Amounts For Baggage Delay
- What to Do If Your Bags Are Delayed
- FAQs
Why should I consider travel insurance and non-insurance assistance services for delayed bags?
According to the Bureau of Transportation Statistics, more than 5% of bags are lost, damaged, delayed, or pilfered by US air carriers*. If your luggage goes missing, World Nomads Travel Insurance offers travel protection plans with two ways to help—first by helping track it down with an included non-insurance service perk, and second by helping cover essential purchases while you wait. The non-insurance service covers every flight, anywhere in the world. If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still missing, your next message should be to our Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly.
If your checked-in bags are delayed or misdirected by your common carrier for more than 12 hours en route to your destination, your plan may also reimburse you for essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and necessary essential items, such as a warm coat if you’ve arrived at the ski slopes in Japan. (Per-day and maximum limits apply.)
Items You May Be Reimbursed For
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
- Reasonable essential items deemed necessary
Some exclusions that may not be covered
- Eyeglasses, sunglasses, or contact lenses
- Hearing aids
- Orthodontic devices
- Prescription medications
- Credit cards**
- Tickets**
- Cash and documents**
**(except as otherwise specifically covered herein)
Maximum Benefit Amounts For Baggage Delay
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 total Get a quote |
What to Do If Your Bags Are Delayed
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- Contact our Delayed or Lost Baggage Tracking and Delivery service partner and provide them with the file reference, record locator number, and Property Irregularity Report.
- If your checked bags are delayed by your common carrier for at least 12 hours, you may be reimbursed for essential items such as toiletries and a change of clothes. Review your plan documents to see what your per-item and maximum limits are.
- Don’t go on a shopping spree and get a new wardrobe if your bags are delayed. Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises).
- Save receipts for all items you purchase.
- You’ll then need to file a claim online within 20 days after a loss occurs.
- Submit relevant receipts for the items you buy as part of the claim process within 90 days.
FAQ
Here are our most frequently asked questions about cover for delayed bags You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do all World Nomads plans include travel insurance for delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for delayed bags, though each plan has different per-day and maximum limits. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-day and maximum limits. All plans also include access to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner that could help reunite you with your bag if it is lost or delayed.
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What should I do if my bags aren’t at the airport when I land?
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report.
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Can I get new clothes to wear until my bags are found?
If your baggage is delayed for at least 12 hours, you may be reimbursed for toiletries and a change of clothes until you and your bags are reunited. Per-day and maximum benefit limits do apply though, so this doesn’t mean you should go on a shopping spree and buy expensive designer outfits.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
If you’re not sure what you can claim under your baggage delay travel insurance benefits, contact our team.
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Can I be reimbursed for a new coat if my bag is delayed and I’m in a cold destination?
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), you may be reimbursed for that.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items.
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What is the non-insurance delayed and lost baggage tracking and delivery service?
This is an additional service that is included in your World Nomads Travel Insurance plan. If your checked baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may help. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
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Do travel insurance benefits cover lost and stolen bags?
Yes, certain travel insurance benefits may cover lost and stolen bags (up to per item and maximum benefit amount) Terms and conditions apply. When you get a quote for travel protection with baggage benefits, you can compare the plans side by side. If you’re not sure what’s covered, contact our team.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)