Travel Insurance for Domestic Trips
Essential protection for Americans on domestic trips, within the USA.
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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.
- Why do I need travel insurance for domestic travel?
- What are the benefits of domestic trip insurance?
- Exclusions of domestic travel insurance
- Benefits of World Nomads travel insurance
Maybe your next trip won’t include crossing an ocean or boarding a plane. Sometimes the best vacations are just a few hours' drive away from home. But just because you’re traveling within the United States doesn’t mean there isn’t a risk that your trip will go off course.
World Nomads domestic coverage starts from at least 100 miles away from home and provides essential protection against a wide range of mishaps you could encounter on the road.
Why do I need travel insurance for domestic travel?
It doesn’t matter if you’re on a distant continent or on a road trip just a few hours from home – you could sprain your ankle, get into a car accident, or be delayed by inclement weather just about anywhere. A good travel insurance* plan can help prevent any of these unexpected events from turning into full-blown disasters.
What are the benefits of domestic trip insurance?
Accidents and emergencies can happen on any getaway. Here are five ways domestic travel insurance could help:
- Unexpected trip cancellation: Sudden illness, jury duty or a death in the family can mean you have to cancel your trip. Domestic travel insurance may help you recover your pre-paid, non-refundable trip costs for these and other covered reasons. If you’ve purchased the Explorer or Epic plan and the optional ‘Cancel for any reason’ coverage during the time sensitive period, a wider range of reasons for cancelling are covered, including simply changing your mind about going.
- Medical emergencies: Hospital bills and emergency doctor visits can really add up, especially when you need to pay out-of-pocket or use an out-of-network provider. These often-sky-high costs are a smart reason to purchase travel insurance for your domestic trip. Many times, these medical emergencies arise from an outdoor activity. Be sure to check out all the activities that are covered (World Nomads covers more than 250!).
- Trip Delay: Sometimes you can hit a bump in the road – in a literal and figurative sense. Maybe you got stuck in traffic because of an accident, or a roadway happens to be closed, and you can’t make that non-refundable activity that you were looking forward to. This benefit may reimburse meals, hotel stays and other surprise expenses you could incur as a result of a covered unforeseen reason that’s at least six consecutive hours or more.
- Protection for personal belongings: If your camping gear gets stolen or you drop your camera into the lake, 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: Sometimes the best place to get medical treatment is at a hospital back home. Medical evacuation coverage may help remove the challenges of transporting you to a facility where you can get the appropriate care you need.
Exclusions of domestic travel insurance
Travel insurance doesn’t apply in every circumstance, and some things just won’t be covered. Your plan will outline the exclusions to your coverage in detail, but here are a few examples:
- Pre-existing conditions, which include any illness, disease or other medical condition that you’ve previously shown symptoms of or been treated for in the 90 days before you purchased your travel insurance. Note that you can receive a pre-existing exclusion waiver if you purchase an Explorer or Epic plan during the time-sensitive period of 7 days. If you’re healthy enough to travel when you buy your insurance plan but have a pre-existing condition that flairs up during your travels, treatment related to that pre-existing condition may now be covered with the waiver.
- Fancy vehicles: Our Explorer and Epic plans offer coverage for rental car damage, but that coverage is not designed for high-end cars or off-roading vehicles.
- Alcohol and drug-related incidents: you won’t be covered if incidents arise as a result of acting irresponsibly or if you are under any sort of intoxication or influence.
- Any losses related to participating in illegal activities.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment, and musical instruments.
Benefits of World Nomads travel insurance
Along with the above, World Nomads includes the following non-insurance services in your domestic insurance policy:
- A 24/7 Emergency Assistance Team that can help with you with medical and dental referrals and more.
- Delayed or Lost Baggage Tracking and Delivery. Simply report your lost bags to this service after alerting the airline and the company will take it from there.
- Pre-Departure Telehealth Service and Portable Health Records. Licensed US doctors can prescribe you medications that you may need for the destinations where you will be traveling and they will be delivered straight to your door. Depending on your activities, you may want to consider bringing medication for altitude sickness, motion sickness and other common ailments. The Portable Health Records service is a secure solution that allows you to have immediate access to your medical records 24/7, anywhere in the world. This may be very helpful if you end up in a hospital far from home.
*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.
Damaged Baggage
On a flight from San Diego to Honolulu, I checked my surfboard bag, which contained three surfboards. When I went to claim my bag, I found that two of my surfboards had been broken beyond repair. Both boards were broken into two pieces and the noses were crushed. After examination, it seems as if my ultra-protective surfboard bag (packed with utmost care), was either dropped upside-down from a high place or crushed by the weight of other bags during air or ground transport.
U.S Resident in Hawaii
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 teamWhat Does Domestic Travel Insurance Cover?
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As featured in:
Just because your trip isn’t on a faraway continent thousands and thousands of miles away, doesn’t mean that things can’t go astray. If you’re traveling within your home country, World Nomads offers domestic travel insurance ─ though only for residents of select countries. If you’re a U.S. citizen, check out our page on Domestic Travel Insurance that sums up all the benefits.
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 team
