Scuba Diving Travel Insurance Plans
Scuba Diving Insurance Plans for Canadian Residents
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As featured in:
At a glance
- Coverage for Divers: World Nomads plans provide cover for recreational scuba diving and shark cage diving up to 30 metres, with the option 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
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Protection When the Pressure’s On: Coverage for injuries and medical transport if you're seriously hurt while scuba diving.
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Your Dive Gear, Protected: Plans cover lost, stolen, or damaged diving gear and luggage.
- Help, Anytime: Access to 24/7 emergency assistance.
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 one of the dozens of World War 2 shipwrecks found off the coast of Malta, 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. World Nomads travel insurance plans include a range of benefits for scuba diving that may help with everything from stolen bags to unexpected medical expenses if you suffer a medical emergency.
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 recreational scuba diving may help you bounce back quickly with support for emergencies, delays, and disruptions. World Nomads offers four plans. You can choose a travel insurance plan that best meets 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
Coverage for 250 activities you love + more
What level of travel insurance coverage do I need for my scuba diving trip?
World Nomads offers four plans for Canadian residents – the Standard, Explorer, Epic and Annual Multi-Trip – each with different levels of coverage. All plans cover scuba diving up to 30 metres. You also have the optional to upgrade your coverage and pay an additional premium if you intend to dive deeper than that.
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, or 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.
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 Help Center or you can ask the 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 or 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 delayed or interrupted due to an unforeseen, covered reason, 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 emergency medical assistance, emergency medical 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 almost 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. Your departure date will be 12:01am local time on the date that you are originally scheduled to start your trip as shown on your policy certificate.
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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 travelling, 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 travellinng 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 included with all four plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, scuba diving tours and accommodation if your dive trip is cancelled for a covered reason. If you want ultimate flexibility, you may be able to add ‘cancel for any reason’ coverage to the Explorer and Epic plans, as well.
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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 by your common carrier for 12 hours or more on the way to your destination, your plan may reimburse you for necessary personal effects such as 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
This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.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)
Hiking Travel Insurance
Trekking & High-Altitude Travel Insurance Coverage for Canadians
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As featured in:
At a glance
- Trail-Tested Travel Insurance: World Nomads offers hiking and trekking travel insurance to help cover medical emergencies, gear loss, and trip cancellations.
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From Day Hikes to High Peaks: You can choose a plan and corresponding activity level based on your trek’s maximum elevation, with coverage available up to 6,000 metres.
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Evacuation Cover When Help Is Far Away: Our plans include emergency medical evacuation coverage if you get injured or sick while hiking in remote areas.
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Protection If Your Trek Is Cut Short: If your trek is disrupted by an unforeseen 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 and trekking travel insurance?
- What may not be covered?
- Top tips for your hiking or trekking adventure
- FAQs
Whether you’re trekking to Base Camp , backpacking up Mt. Kilimanjaro or just hiking in a nearby Canadian province (there are nearly 30,000 ‘official’ trails in Canada alone!), 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 reimbursement for unexpected medical expenses.
Why should you consider travel insurance 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 to a national park in Canada (outside of your home province).
Hiking and trekking travel insurance coverage
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
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Covers hikes up to |
Covers hikes up to |
Covers hikes up to |
Covers hikes up to |
Optional Adventure Sports Coverage Upgrade – Hiking and trekking trips covered up to 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.
Coverage for 250 activities you love + more
What benefits are covered with hiking and trekking travel insurance?
World Nomads offers coverage (up to the plan maximum benefit limit) for:
- Emergency medical expenses: if you fall and get hurt while hiking or trekking, 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, you may be eligible for reimbursement of your pre-paid, unused, non-refundable expenses like flights, tours and accommodations. Want ultimate flexibility for your trip plans? World Nomads now also offers a Cancel for Any Reason (“CFAR”) optional upgrade. This optional upgrade can only be purchased with our Explorer Plan and Epic Plan (up to 50% CFAR benefit. Maximum benefit limits apply), Consider adding optional ‘cancel for any reason’ coverage.
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: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan provides little, if any emergency medical coverage once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province, too.
Top tips for your hiking or trekking 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 Help Center or you can ask the customer service team.
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
Hiking and trekking are often thought of as the same thing, however hiking is generally considered short, easier walks, whereas trekking involves longer, more challenging journeys. Under World Nomads travel insurance plans, hiking and trekking activities are offered under the same adventure activity level. 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 you may need to purchase an optional upgrade for travel insurance plans like those from World Nomads to have coverage for these activities, which may vary depending on the elevation, difficulty, and whether technical skills or equipment are involved. World Nomads offers four travel insurance plans with different coverage limits. 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?
If you suffer an injury during your trekking or hiking adventure, you may need emergency medical assistance. Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers four different plans, each with the opportunity to add optional adventure activity coverage for higher risk activities. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
Adventure Sports Coverage for World Nomads Standard, Explorer, Epic and Annual Multi-Trip Plans:
- Hiking or trekking up to 3,000 metres – Level 1
- Hiking or trekking up to 6,000 metres – Level 3
- Hiking or trekking over 6,000 metres – No coverage
Activities listed as Level 2 or Level 3 require an extra premium to be paid for coverage to apply.
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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 protect their trip investment with a plan that includes pre-trip benefits like Trip Cancellation coverage. Trip Cancellation coverage may reimburse your prepaid, non-refundable trip costs if you cancel for a covered reason (like unexpected sickness or injury). World Nomads also now offers a Cancel for Any Reason (“CFAR”) optional upgrade. This optional upgrade can only be purchased with our Explorer Plan and Epic Plan (up to 50% CFAR benefit. Maximum benefit limits apply). If you purchase your Explorer or Epic plan within 15 days of making your initial trip payment or trip deposit (like booking a nonrefundable hotel or buying a plane ticket), you also can add optional ‘cancel for any reason’ coverage. After 15 days, you will not be able to. Simply put, planning ahead means more protection. However, if you’re already on your trip, you can still purchase a World Nomads travel insurance plan (certain waiting periods may apply).
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Would hiking gear and equipment be covered?
Yes, your hiking gear and equipment may be covered under the baggage and personal effects coverage included in our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit limits vary by plan, so be sure to review which plan is best for your needs —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, World Nomads travel insurance plans include emergency medical evacuation coverage if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're injured in a remote area and need transport to the nearest adequate medical facility, the Emergency Evacuation and Repatriation of Remains coverage 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 hiking or trekking trips under World Nomads travel insurance plans?
Yes, there are two different altitude maximums.
Elevation coverage under our Standard, Explorer, Epic and Annual Multi-Trip Plans:
- Adventure activity coverage – Level 1 - hiking or trekking up to 3,000 metres
- Adventure activity coverage – Level 3 - hiking or trekking up to 6,000 metres
- There is no coverage for hiking or trekking over 6,000 metres
An additional adventure activity coverage upgrade is required for all level 2 and level 3 activities.
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Do I need to cover the full duration 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 or trekking 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 article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.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)
Travel 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)
Scuba Diving Travel Insurance Coverage
US Residents can protect their adventures under the water with travel insurance
- As featured in:
As featured in:
At a glance:
- All World Nomads plans cover scuba diving up to 165 feet/50 meters
- Higher-tier plans offer coverage for more adventurous dives, including shark cage diving and free diving
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving, including the use of compression chambers if needed.
- Transportation if your condition is severe, acute or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply.
- Reimbursement for canceled scuba diving tours, delays, or interruptions due to covered events.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance benefits
- Plan levels for scuba diving trips
- What's not covered
- 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 Australia, 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 protection plans include a range of adventure travel insurance benefits 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 and non-insurance services 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 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 and non-insurance services for scuba diving: What may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For decompression sickness and cuts from coral when scuba diving -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen diving gear, or lost luggage on the way to you diving destination -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your plans.
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans also include several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records, and pre-departure telehealth services.
What level of travel insurance coverage do I need for my scuba diving trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go scuba diving, you’ll probably be doing other fun things like sailing or kayaking. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans cover scuba diving up to 165 feet/50 meters.
- The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 196 feet/60 meters and has higher limits of coverage.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest benefit limits of coverage.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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What may not be covered when scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Scuba diving or traveling within 100 miles of your home
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Diving if your doctor has advised against it
- Dives that are deeper than your adventure travel insurance coverage allow
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 may not be covered by your travel insurance plan.
- 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.
- Get a good dry bag to hold a copy of the documents showing your scuba diving travel insurance and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance 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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Can scuba diving be covered by World Nomads Travel Insurance?
Yes, scuba diving may be covered under all four plans offered by World Nomads Travel Insurance. The Standard and Annual plans include non-insurance services and travel insurance coverage for scuba diving up to 165 feet/50 meters. The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 60 meters and has higher limits of coverage. The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest limits of coverage.
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What types of unexpected incidents may be covered while scuba diving abroad?
If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the coverage maximum benefit amount), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and you require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. With your adventure travel insurance benefits, you may also be covered for unplanned situations such as lost bags.
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Can I purchase a plan 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. World Nomads Travel Insurance for U.S. residents takes 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 for a scuba diving excursion, you’ll need to buy your insurance plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for scuba diving outside of the United States?
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 dives in the world. When you get a quote for scuba diving travel insurance and non-insurance services, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while scuba diving?
If you’re hurt while scuba diving, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse 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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, when you purchase scuba diving travel insurance and non-insurance services, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping may all be covered. You can review the list of activities, but 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 my dive 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, diving tours, and accommodations 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 optional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase adventure travel insurance coverage and non-insurance services, 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, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
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
20250730-4701483. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state 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.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 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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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 teamTravel Insurance Coverage for Pregnancy Complications
Expecting a new baby? Learn why you may want to consider travel insurance that may cover pregnancy complications
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As featured in:
At a glance
- World Nomads offers plans that may cover losses resulting from complications of pregnancy
- If you need to cancel or interrupt your trip due to a pregnancy complication, you may be reimbursed for pre-paid, non-refundable, unused, forfeited travel arrangements that you made in advance such as hotel accommodations, flights and tours. Terms and conditions apply to all mentioned above
- Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
- How are Pregnancy Complications defined in my travel protection plan?
- What May Be Covered for Pregnancy Complications
- Important to Know
- Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
- Take your medical records with you when you’re traveling while pregnant
- Tips we recommend for traveling while pregnant
- FAQs
Why should you consider travel insurance that may cover losses resulting from pregnancy complications?
Did you book your dream vacation and then find out that you’re pregnant a week later? Or do you just need a little babymoon to have some relaxing time before your little one arrives? Either way, many women travel with confidence while pregnant, and you can too. We recommend you consult your doctor first just to make sure it’s safe for you to travel and then start thinking about the ‘what ifs’. As unexpected medical events can disrupt travel plans anytime, you may want to consider getting a quote for travel protection which includes insurance benefits and non-insurance services that may cover pregnancy complications.
How are Pregnancy Complications defined in my travel protection plan?
So what is a pregnancy complication? It’s important to know how World Nomads Travel Insurance plans define it. The following wording is directly from the plan document:
Complications of Pregnancy means conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy.
What May Be Covered for Pregnancy Complications
- Emergency medical expense coverage
- Emergency evacuation and repatriation coverage
- Trip Cancellation or interrupting your trip due to complications from pregnancy
- Access to non-insurance services including pre-trip medical consultations
Important to Know
- Normal labor and childbirth, and routine check-ups are notcovered
- False labor or morning sickness are not covered. Only reasons listed in your plan documents may be covered
- In order to be eligible for coverage, you must be able to travel when you purchased the plan, and we recommend not travelling against your doctor’s orders
- Optional ‘Cancel for Any Reason’ travel insurance coverage may be beneficial for pregnancy
Accident & Sickness Medical Expense and Trip Cancellation Maximum Benefit Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to $125,000 for accident & sickness medical expenses and up to $2,500 for trip cancellation Get a quote |
Up to $150,000 for accident & sickness medical expenses and up to $10,000 for trip cancellation Get a quote |
Up to $250,000 for accident & sickness medical expenses and up to $15,000 for trip cancellation Get a quote |
Up to $100,000 per trip and up to $5,000 trip cancellation for individual coverage term Get a quote |
Take your medical records with you when you’re traveling while pregnant
Another non-insurance service included when you purchase a World Nomads plan is access to our portable records service partner. They have a secure solution that allows you immediate access to your medical records anywhere in the world. If you’re traveling and end up in the hospital because of unexpected complications related to pregnancy, you’ll want your medical team to know about your prescriptions, allergies, medical conditions, immunization and more. It’s included, but you’ll need to register once you purchase a plan that includes coverage for pregnancy complications. Taking the time to set this up could be lifesaving for you and your baby if you unexpectedly have a medical emergency while you’re pregnant and traveling.
Tips we recommend for traveling while pregnant
- Always check with your doctor before traveling. If your doctor says you shouldn’t be traveling, and you do anyway, you may not be covered by your travel insurance coverage for pregnancy complications.
- Check with your travel providers to see if they have any restrictions for traveling while pregnant. For example, some airlines and cruises may not allow you to board when you’ve passed a certain point in your pregnancy.
- Before you leave, see if you need a note from your doctor. Some airlines may ask for a doctor’s note that states how far along you are in your pregnancy and confirms that you aren’t high risk.
- Book an aisle seat. It makes it easier to get up and down to go to the restroom.
- To help with circulation, wear compression socks when flying or taking long rides in a car or on a train. According to the National Institutes of Health, women are up to five times more likely to develop deep vein thrombosis (DVT) when they are pregnant. The potential for these blood clots may increase when you’re traveling and not moving for long periods of time.
- Drink plenty of water. The American Heart Association says that dehydration can cause Braxton-Hicks contractions.
- Pack all of your medications in your carry-on bag. If you have World Nomad Travel Insurance that may include coverage for pregnancy complications, it can also include coverage for lost and delayed bags, but you won’t want to be without any necessary medications.
- Avoid strenuous excursions. Even though World Nomads covers over 250 sports, activities and experiences, you may want to save some adventures like bungee jumping until after the baby arrives. Exclusion applies to Adventure or Extreme Activities.
FAQ
Here are our most frequently asked questions about cover for pregnancy. 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 fly while I’m pregnant?
That’s up to you to discuss with your doctor. Your airline might ask for a letter from your doctor confirming your expected due date and whether you’re at risk of any complications. It is important to check your airline’s policy regarding pregnancy. If you get to the airport and your airline won’t let you fly, you may not be able to make a claim.
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Are trip cancellation insurance benefits included in my travel protection plan in the event of a pregnancy complication?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if you have pregnancy complications before you travel that prevent you from traveling. You’ll need documentation from your medical team if you plan to make a claim though.
(The optional ‘Cancel for Any Reason’ add-on allows you to cancel for any reason not otherwise covered by the plan, but it is only available for those who purchase the Explorer or Epic plans, and it must be purchased during the time sensitive period. Available at an additional cost for U.S. residents, not available to residents of New York.
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What complications of pregnancy may be covered?
Complications of Pregnancy are conditions (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include hyperemesis gravidarum, preeclampsia, eclampsia, gestational diabetes, gestational hypertension, acute nephritis, nephrosis, cardiac decompensation, and missed abortion. Complications of pregnancy also include non-elective cesarean section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.
Complications of pregnancy do not include Physician-prescribed rest during the period of pregnancy (except due to conditions noted above), false labor, occasional spotting, morning sickness, elective abortion, and similar conditions associated with the management of a difficult pregnancy, not constituting a categorically distinct complication of pregnancy. If you have questions, contact us and ask.
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How do I make a claim?
You can make a claim online, but you’ll need to provide required documents that may include:
- Copies of receipts and invoices showing the unused, forfeited, prepaid,
non-refundable travel expenses that you paid for in advance and weren’t able to use because of your pregnancy complications
- Copies of receipts and invoices for medical expenses
- Documentation from your medical team showing that they advised you not to travel
You must notify us within 20 days of any losses and submit your documentation within 90 days or as soon as reasonably possible.
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 for Dental Emergencies
Learn how travel insurance for US Residents may cover emergency dental treatment expenses abroad.
- As featured in:
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.
- What does travel insurance cover for overseas emergency dental treatment?
- What isn’t covered by travel insurance dental coverage?
- What to do if you are experiencing a dental emergency abroad?
Broken or chipped teeth can happen at any time. It could be seeded bread in Berlin, olives in Athens, or chestnuts in Istanbul. Or perhaps you’re surfing in Sayulita and get hit in the face by your surfboard, which breaks your tooth.
If pain or injury suddenly strikes while you’re traveling out of the country and you find yourself dealing with a dental emergency, World Nomads Travel Insurance may help cover the overseas emergency dental treatment you need to get relief.
What does travel insurance cover for overseas emergency dental treatment?
Our plans may cover overseas dental expenses if you need to see a dentist while traveling for unexpected emergencies. For example, World Nomads dental coverage can help you if you need to seek immediate relief of sudden pain to healthy, natural teeth for things like:
- An unexpected infection
- Chipped or broken teeth
- Injuries to your mouth or jaw due to an accident
You may have coverage under the emergency medical section of your plan for things like:
- The services of a physician or dentist
- X-rays, treatments and lab tests
- Hospital fees
Limits, terms, and conditions of overseas dental coverage vary depending on the plan you buy and your past dental history. The pain or injury must have occurred while you were on your trip. When you get a quote for travel insurance* coverage, you can compare the plans side-by-side to determine which one might be right for you. Pay attention to the medical coverage, as this applies to emergency dental treatments too.
To streamline your experience seeking dental treatment abroad, we recommend signing up for our Portable Health Records service before your trip. This non-insurance service allows documents, prescriptions, test results, and emergency contacts to be accessible in one place, anywhere in the world. Whether you need to refill a prescription or to deal with a more serious injury, this service can expedite the process.
Travel insurance tip: To be reimbursed for costs incurred during overseas dental emergencies, your dental illness or injury must be confirmed in writing by your treating medical practitioner. You must get copies of all medical and dental records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Coverage is limited to the amount shown in your plan wording.
What isn’t covered by travel insurance dental coverage?
Travel insurance isn’t designed to cover everything. Our dental plans cover dental emergencies but not routine dental work. Here are things we don’t cover:
- General check-ups and routine maintenance
- Getting your teeth straightened
- New teeth or fillings following pain relieving treatment
- Major dental work such as crowns, dentures, bridges, and implants
- Buying a plan after the pain has set in
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were healthy enough to travel when you made the purchase
- Non-emergency treatment that can wait until you return home. Remember: the coverage isn’t health insurance; it's for travel emergencies.
- Treatment needed due to participation in activities outside of your plan’s limits
- Dental expenses once you return home from your trip
What to do if you are experiencing a dental emergency abroad?
- Contact the Emergency Assistance team first: The Emergency Assistance team can help take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
- Explain what is going on: The 24/7 emergency assistance teams have connections and relationships with dental providers all over the world and can refer you to the most suitable one for your particular emergency.
- Refer to your plan documents to make sure what you are dealing with falls within the perimeters of your particular plan: The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the plan wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
- Ask yourself: is it a true emergency or is this care that can wait until you get home to the US? Remember, World Nomads Travel Insurance covers dental emergencies only, not routine care. If you are unsure if what are you dealing with is a true emergency, give us a call.
- Save all receipts and documentation from the dental provider: Documentation is needed to be reimbursed for qualifying expenses. You’ll likely need to pay in advance. You can submit a claim online either right then or you can wait up to 20 days afterwards to do so.
*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.
I bit on something hard
A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
B.P. U.S Resident in South Africa.
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 or your family sick, injured or dead?
- Natural disaster or terrorist attack where you’re going?
- Called to active service?
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 drugs 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 to get to hospital urgently?
- You or a family member dies?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro Gone?
- Laptop Lost?
- Sports Gear Stolen?
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
- As featured in:
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:
-
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 quote
Top 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 teamTrip Cancellation Travel Insurance Plans
Learn how trip cancellation benefits may help protect Canadian travellers who need to unexpectedly change their plans
- As featured in:
As featured in:
At a glance
- Cancel with confidence: Trip cancellation travel insurance is included in all World Nomads plans for Canadian residents
- Protection for plans that change: You may be reimbursed for prepaid, non-refundable trip expenses if you need to cancel your trip for an unforeseen, covered event
- Multiple covered reasons: Several unexpected situations may be covered such as sickness, natural disasters, strikes, and more
- More flexibility, if you want it: An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans, and allows you to cancel your trip for any reason up to 48 hours before your departure date
- Why should you consider travel insurance for trip cancellation?
- Covered Reasons for Trip Cancellation
- Exclusions
- Trip Cancellation Maximum Limits
- How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
- What you'll need to file a trip cancellation claim
- Traveller Tips
- FAQs
Why should you consider travel insurance for trip cancellation?
Even when you’ve meticulously planned out all of the details of your dream vacation, sometimes things happen that cause you to have to cancel your trip. What happens if you get sick before your vacation and your physician says you’re not well enough to travel? It’s painful enough to have to miss out on a foodie getaway to Italy or a safari through Africa, but it’s even worse to also lose all of the money that you’ve already paid toward your trip. With travel insurance with trip cancellation benefits, you may be reimbursed for the non-refundable, prepaid money you’ve spent for things like tours, transportation and hotel accommodations if you need to cancel for a covered reason.
Covered Reasons for Trip Cancellation
- Unexpected sickness or injury
- Death or sickness of immediate family member, travel companion, or business partner
- Travel advisories
- Job layoff or relocation
- Cancellation of previously approved vacation time by employer
- Call to military service
- Cancelled weddings
- Jury duty
- Airline delays that cause you to miss at least 30% of your trip
- Legal summons
- Felonious assault
- Financial default of your travel supplier
- Natural disasters
- Unannounced strikes
Exclusions
- Changing your mind about travelling
- Visas and passports that arrive late
- Events that are known before you buy your policy
- Events not listed as covered in your policy wording
- Epidemics and pandemics
- Pre-existing medical conditions that are excluded in the policy
Trip Cancellation Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $2,500 Get a quote |
Up to $10,000 Get a quote |
Up to $15,000 Get a quote |
Up to $10,000 Get a quote |
How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
Trip cancellation insurance is included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents. It gives you the opportunity to cancel your trip before you depart – but only for covered reasons.
‘Cancel for Any Reason’ coverage allows you to cancel for a wider range of reasons, though – even if you just change your mind. The ‘Cancel for Any Reason’ travel insurance benefit isn’t automatically included, but it’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate.
What you'll need to file a trip cancellation claim
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately.
You can then file a claim online. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
Traveller Tips
As travellers ourselves, we’ve felt the heartache of having to cancel trips. Here are a few of our personal travel tips that may help you avoid painful cancellations.
- If you have an option to book refundable airline tickets, hotels, and tours, do it even if it costs a little more.
- When you get a quote for trip cancellation travel insurance, read the policy documents and make sure you understand the covered reasons for cancellation.
- If you think you may want to cancel for any other reason, consider adding on the optional ‘Cancel for Any Reason’ travel insurance that’s available if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip.
- Sickness is a significant reason travellers have to cancel their trips, so do your best to stay healthy. According to data shared by the Canadian Government, 15,000 Canadians spend time in the hospital each year because of the flu. If you need to cancel your trip because of sickness, make sure you get documentation to prove that your doctor advised you not to travel.
- Save all of your receipts. Every. Single. One. Don’t wait until you’re trying to make a claim – it’s painful digging through old emails to find those. Once you start planning your trip, create a folder and save everything in one place.
- Check out the Canadian Transportation Agency’s Air Passenger Protection Regulations to see what is covered by various airlines. Many airlines will cover things such as meals, hotel accommodations and transportation if a cancellation is due to circumstances within their control.
- Always try to get reimbursement from your airline first if they cancel a flight. Your travel protection plan is considered secondary coverage, and your travel insurance benefits may kick in after you’ve exhausted any benefits from the source of your cancellation.
- Before you book your trip, do your research and check out the Canadian government’s safety warnings for your destination before travelling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where they list any current travel advisories.
- As soon as you start planning an international trip, check the expiration date of your passport. If your passport is expired, or if you apply for one and don’t receive it in time, you won’t be able to make a trip cancellation insurance claim if you aren’t able to travel to your destination.
FAQ
Here are our most frequently asked questions about cancellation cover. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Do all World Nomads plans include trip cancellation insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include trip cancellation insurance benefits. You may be reimbursed for prepaid, non-refundable expenses that you paid for in advance, but only if your situation is one of the cancellation reasons listed in your plan wording. Maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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What does trip cancellation coverage include?
Trip cancellation is a benefit that reimburses you for unused, prepaid, non-refundable trip payments if you need to cancel for an unforeseen, covered event such as an illness, injury, a death in the family or an airline strike. Reimbursable costs may include things like airfare, train tickets, hotel rooms and/or tour expenses.
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What is the best travel insurance plan?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare the single trip and annual multi-trip plans side by side. Consider how much money you’ve spent on your trip, and review all of the plans to determine which is the best option for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all single and annual multi-trip plans offered by World Nomads, and you could be reimbursed for unused, prepaid, non-refundable expenses like flights, tours and/or accommodations if your trip is cancelled for a covered reason (up to maximum benefits as shown in your policy documents).
-
Does trip cancellation insurance cover sickness?
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, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- You or your travel companion’s caregiver
- You or your travel companion’s key employee
- Your or your travel companion’s business partner
-
How do I file a claim if I need to cancel my trip?
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately. You can then file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those prepaid, non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your cancelled trip as well. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
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)