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. 

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?

1. 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.
2. 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.
3. 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.
4. 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.
5. 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. 

If you’ve booked and paid for your trip and need to unexpectedly cancel, the last thing you want is to be out of pocket for non-refundable trip costs. World Nomads travel insurance plans offer coverage for your non-refundable, pre-paid travel arrangements, such as transportation and accommodation expenses if you need to cancel your trip for a covered reason. So, you’ll have one less thing to worry about and you can start saving for your next adventure instead.  

What is travel insurance trip cancellation coverage? 

If you must cancel your trip due to a covered reason, there's trip cancellation coverage in both our Standard and Explorer travel insurance plans. We cover your non-refundable prepaid trip costs (up to the maximum limit listed in the schedule of benefits) if you can't travel for a covered reason. 

Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician that prohibits them from travelling, or dies: 

• You or your travel companion 
• Your or your travel companion’s immediate family member 
• Your or your travel companion’s business partner. 

We know more than illness can stop you from travelling, so we also provide trip cancellation coverage in cases like these: 

• The Canadian government issues a formal advisory against travel to a destination, country or region listed on your itinerary. The advisory must be issued after both the date you paid for non-refundable prepaid travel arrangements and after your policy effective date. Note there is no coverage if an advisory is issued due to an epidemic or pandemic. 
• Your principal residence or destination residence is made uninhabitable by a natural disaster or unintentional act. 
• You or your travelling companion are a victim of a felonious assault within 10 days prior to your trip start date. 
• A strike stops all travel services at your departure point or destination. 
• Your travel supplier files for bankruptcy or completely ceases operations more than 14 days after your policy purchase date and the loss incurred is not recoverable from any other source. 

It's important to note that trip cancellation coverage will not be available for an event or circumstance that is known before you purchase your travel insurance. Examples include, but are not limited to: an already-announced strike, an already-named hurricane and a pre-existing medical condition. 

When you get a quote, be sure to read through the policy to understand the coverage and what the limits are, and any conditions and exclusions that apply. If you have questions regarding the coverage, please contact us.  

What's not covered by travel insurance trip cancellation coverage? 

Travel insurance isn't designed to cover everything. Here are some things that are not covered by your World Nomads plan: 

• If you change your mind about travelling 
• If your visa is refused 
• If you break up with your partner 
• Events that are known before you buy the policy 
• Pre-existing medical conditions that are excluded in the policy 

Be prepared if you need to claim for trip cancellation

Depending on your trip cancellation claim, you'll need copies of: 

• Receipts 
• Itineraries 
• Doctors/death certificates 
• Medical history 
• Written documentation from the travel provider of reason for cancellation and any refunds 

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us. 

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's covered if my bags are delayed?
• Delayed or Lost Baggage Tracking and Delivery Service
• Items that aren't covered under baggage delay insurance
• If you need to make a claim for baggage delay
• Things you should know (and other tips for surviving delayed baggage)

We’ve been stuck in some remote locations with only the clothes on our back, so we understand the need to freshen up when your bags don't arrive. If you’ve arrived at the snow without warm clothes, or the tropics without a fresh pair of underwear, we can help you navigate a common traveler gripe – delayed baggage.  

What’s covered if my bags are delayed? 

When you arrive at your destination, but your bags don’t, and it’s looking like it will take some time for them to find their way back to you, World Nomads travel insurance* may help ease the blow. 

If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan can reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. 

Items you can claim reimbursement for if your bags are delayed include things like: 

• Underwear 
• Socks 
• A change of clothes 
• Toiletries 
• Pajamas 

You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), or you’ve traveled for a big event like a wedding and your dress or tux was in your checked bag. 

Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items. When you get a quote, you can compare the coverage and limits in our plans side-by-side. 

Delayed or Lost Baggage Tracking and Delivery Service (Non-Insurance)

If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report on the requested form. 

Items that aren’t covered under baggage delay insurance 

While things like a change of clothes and toiletries fall under the ‘items you can claim if your bags are delayed’ umbrella, not everything is reimbursable. The following items are excluded: 

• Eyeglasses, sunglasses or contact lenses; 
• Credit cards, tickets, cash and documents; 
• Professional or occupational equipment or property including electronic business equipment;
• Hearing aids, orthodontic devices and prescription medications.

This is not a full list of exclusions. Please read your plan wording for full details including per-day and maximum limits. 

If you need to make a claim for baggage delay 

If your bags are missing for an extended time, you’re probably going to need to make a claim. Travel insurance is secondary to other coverage you may have, so you will need to claim reimbursement with your common carrier first, then with us for the remaining amount your airline won’t cover. 

If you need to make a claim for delayed baggage there are a few steps you need to follow: 

• Report it to your airline or other common carrier. 
• Complete all documentation required by the carrier. 
• Contact the Delayed or Lost Baggage Tracking and Delivery service partner.
• We suggest reviewing your plan documents to see what your per-item and maximum limits are. 
• Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises). 
• Submit relevant receipts for the items you buy as part of the claim process. 

Things you should know (and other tips for surviving delayed baggage) 

There are limits on the amount you can spend, and if your bags are returned within the 12-hour waiting period, then coverage will not apply. So, before you go shopping for a new wardrobe, check your plan carefully on the limits, conditions and exclusions that may apply before you buy.  

Sometimes it pays to squeeze everything into your carry-on luggage. Check out our handy tips for traveling with carry-on only and take care you don’t exceed luggage weight limits. 
 
One of the best ways to keep your luggage safe is to keep your valuables with you. When in transit, take your most precious items out of your checked-in luggage and carry them with you in your carry-on luggage or daypack. 

Finally, read our article on baggage and gear to learn about coverage for lost, stolen and damaged baggage. 

*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.