Compare Travel Insurance Coverage
Choose a plan to suit your needs.
- As featured in:
As featured in:
Compare Plans
World Nomads offers two plans - Standard and Explorer - offering different benefits, limits and sub-limits of coverage.
- All
Standard Plan
Covers the essentials Everyday travel insuranceSuitable for?
Smart travellers seeking essential cover
Cancelling Your Trip
€4,000
Cutting Short your Trip
€3,500
Emergency Medical Expenses and Medical Repatriation
€5,000,000
Personal Baggage
€1,500
Baggage Delay (after 24 hours)
€125
Delay (per 12 hours / max.)
Not covered
Missed Departure and Connections Outside of your Country of Residence
Not covered
Missed Departure from your Country of Residence
Not covered
Additional Transport Costs
Not covered
Explorer Plan
Higher benefit limits More insured events including travel delaySuitable for?
Travellers after higher limits & extra benefits
Cancelling Your Trip
€10,000
Cutting Short your Trip
€6,000
Emergency Medical Expenses and Medical Repatriation
€10,000,000
Personal Baggage
€3,000
Baggage Delay (after 24 hours)
€250
Delay (per 12 hours / max.)
€50 / €200
Missed Departure and Connections Outside of your Country of Residence
€1,000
Missed Departure from your Country of Residence
€1,500
Additional Transport Costs
€1,000
Additional services included at no extra cost:
We cover 150+ Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
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 teamGot questions?
We've got the answers
Here are our frequently asked questions regarding travel insurance. You can also visit our help centre for more FAQs.
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Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
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Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
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Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
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Can I buy travel insurance if I'm already overseas?
Yes - If you're a resident of Belgium, Denmark, Germany or the Netherlands then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Need help?
Contact us for any queries you have about buying travel insurance, your policy, making a claim and emergency medical assistance.
Emergency Medical Assistance
For policies purchased on or after 27 June 2024:
worldnomads.clmsbe@collinsoninsurance.com
worldnomads.clmsdk@collinsoninsurance.com
worldnomads.clmsde@collinsoninsurance.com
worldnomads.clmsnl@collinsoninsurance.com
For policies purchased before 27 June 2024:
Policy and Claim
From anywhere in the world, charges apply:
Policy
Claim
Belgium
worldnomads.clmsbe@collinsoninsurance.com
Denmark
worldnomads.clmsdk@collinsoninsurance.com
Germany
worldnomads.clmsde@collinsoninsurance.com
Netherlands
Pregnancy Travel Insurance
Expecting a new bundle of joy? Learn why Canadians may want to consider travel insurance for pregnancy
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip plans for Canadian residents who are pregnant
- Plans include travel insurance benefits for certain pregnancy-related medical emergencies during the first 26 weeks
- If you need to cancel or interrupt your trip due to a pregnancy complication, you may be reimbursed for prepaid, non-refundable, unused, forfeited travel arrangements that you made in advance such as hotel accommodation, flights and tours
- Why should you consider travel insurance that covers pregnancy?
- What's Covered
- Exclusions
- Maximum Limits
- Tips for travelling while pregnant
- FAQs
Why should you consider travel insurance that covers pregnancy?
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 while pregnant, and you can too. According to a survey by the Journal of Travel Medicine, over half of their respondents travelled abroad while pregnant. You’ll want to consult with your doctor first to make sure your pregnancy isn’t considered high risk, but even if it’s not, unexpected situations can always happen.
Unanticipated pregnancy complications can disrupt travel plans, but World Nomads offers travel insurance plans that cover pregnancy-related medical emergencies within the first 26 weeks of pregnancy. Pregnancy travel insurance also covers trip cancellation and interruption, and you may be reimbursed for the non-refundable, unused, forfeited, prepaid trip costs you’ve spent for things like tours, transportation and hotel accommodation if your plans change because of a covered reason (up to maximum limits listed in your policy ).
What’s Covered
Exclusions
- A child born during your trip
- Childbirth or complications of childbirth
- Routine prenatal care
- Elective abortion
- Complications related to pregnancy after the 26th week of pregnancy or any time after the expected delivery date
- Pre-existing medical conditions that are excluded in the policy
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency medical coverage: up to $1,500,000 CAD Trip cancellation: Up to $2,500 CAD Trip interruption: Up to $2,500 CAD Get a quote |
Emergency medical coverage up to $5,000,000 CAD Trip cancellation: Up to $10,000 CAD Trip interruption: Up to $10,000 CAD Get a quote |
Emergency medical coverage up to $10,000,000 CAD Trip cancellation: Up to $15,000 CAD Trip interruption: Up to $15,000 CAD Get a quote |
Emergency medical coverage up to $5,000,000 CAD Trip cancellation: Up to $10,000 CAD Trip interruption: Up to $10,000 CAD Get a quote |
Tips for travelling while pregnant
- Always check with your doctor before travelling. If your doctor says you shouldn’t be travelling, and you do anyway, you may not be covered by your pregnancy travel insurance benefits.
- Book an aisle seat. It makes it easier to get up and down to go to the restroom.
- Check with your travel providers to see if they have any restrictions for travelling 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.
- To help with circulation, wear compression socks when flying or taking long rides in a car or on a train. Women are more likely to develop deep vein thrombosis (DVT) when they are pregnant. The potential for these blood clots is higher when you’re travelling and not moving for long periods of time, but compression socks can help.
- Drink plenty of water. Dehydration can cause Braxton Hicks contractions.
- Pack all of your medications in your carry-on bag. If you have pregnancy travel insurance, it may 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.
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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Is it ok to travel while pregnant?
Many women travel with confidence while pregnant and have no problems at all. However, that’s something you should discuss with your doctors. They can take a look at your overall health and risk factors and determine if it’s ok for you to travel while pregnant. Just read your travel insurance policy and make sure you understand what it does and doesn’t cover. Pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. It also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Can I fly while I’m pregnant?
That’s up to you to discuss with your doctors but it may affect your travel insurance. You may not be covered if they say you shouldn’t be travelling. Your airline might also 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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Can I still get travel insurance if I’m travelling while pregnant?
Yes – we don’t expect you to sit at home for nine months, and we completely understand that you may be travelling. Unexpected travel situations can still happen when you’re expecting a little one, so it may be a good idea to consider getting a quote for travel insurance for pregnancy. Just read your policy and make sure you understand what it does and doesn’t cover. If you have any questions, contact us and ask.
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What happens if I have pregnancy complications while travelling?
You may be covered for emergency medical expenses if you experience complications of pregnancy during your trip. However, you must be covered by your Government Health Insurance Plan (”GHIP”) for the full duration of your trip. If you do not have GHIP coverage while on your trip, your emergency medical coverage will be limited to $40,000 CAD.. Pre-existing medical conditions that are excluded in the policy may not be covered, though.
It’s also important to note that pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. Travel insurance also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Does travel insurance cover giving birth overseas?
Pregnancy travel insurance is intended to help with emergency medical situations only. Travel insurance won’t cover the costs of childbirth if the baby comes while you’re travelling. It also won’t cover pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date.
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What type of pregnancy complications may be covered?
Pregnancy complications that happen within the first 26 weeks of pregnancy may be covered by your World Nomads travel insurance benefits. Complications related to pregnancy are conditions whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These may include, but are not limited to:
- Hyperemesis gravidarum
- Preeclampsia
- Eclampsia
- Gestational diabetes
- Gestational hypertension
- Acute nephritis
- Nephrosis
- Cardiac decompensation
- Spontaneous miscarriage
Pregnancy complications after the 26th week of pregnancy or any time after the expected delivery date aren’t covered. Travel insurance also won’t cover the costs of childbirth if the baby comes while you’re travelling.
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Can I cancel my trip if I have pregnancy complications before travelling?
Yes, all of the World Nomads Travel Insurance plans for Canadian residents include trip cancellation insurance benefits. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if you suffer an emergency medical condition such as unexpected complications related to your pregnancy before your trip that prevent you from travelling. You’ll need documentation from your physician regarding the diagnosis if you plan to make a claim, though.
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)
Online Travel Insurance
Canadians can buy an insurance plan or make a claim online
- As featured in:
As featured in:
At a glance
- Claim online, anywhere, anytime: Lodge a claim 24/7 while you’re still travelling, so disruptions don’t slow you down.
- Cover for the moments that matter: Protection for medical emergencies, accidents, trip cancellations, delays, and lost luggage.
- Support wherever your journey takes you: Access help fast, whether you’re in a major city or a remote destination.
- What’s covered
- What’s Excluded
- Which plan should I choose?
- Top tips to keep you and your valuables safe on your travels
- FAQs
When you’re on the road and living out of a suitcase, waiting until you get home to make a claim can be inconvenient. World Nomads lets you lodge a claim online from wherever you are, day or night, so you can keep travelling with minimal disruption. With cover for accidents, medical emergencies, cancellations, delays and lost luggage, you’re protected against unexpected costs wherever your journey takes you. Whether you’re in a major city or off adventuring in a more remote location, it’s reassuring to know you can access support quickly – and start the process of recouping expenses while you’re still on the road if things go wrong.
What may not be covered?
- Non-emergency treatment that can wait until you return home
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.
- Participation in a sport or activity not listed in the covered activities list
How much does travel insurance cost?
Cover that goes beyond the basics is often more affordable than people expect – and you’ll be glad you got it if anything unexpected happens. At World Nomads, you can get a quote in minutes, with the cost depending on factors like your destination, trip length and the level of cover you choose. As a rough guide, many Canadians spend around 4–8% of their total trip cost on travel insurance, though this can vary depending on the type of trip and activities planned. If you add optional Cancel For Any Reason insurance, which allows you to cancel for any reason that’s not otherwise covered by your plan – even if you simply change your mind about travelling – you can expect to pay more.
Which plan should I choose?
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Ideal for: Coverage Includes:
Covering the basics for your trip. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
Top tips to keep you and your valuables safe on your travels
- Take sensible precautions to stay safe late at night – and avoid walking alone.
- Use reputable transport options and avoid unlicensed taxis or unofficial transfers.
- Split important cards and cash. Avoid keeping your bank/credit cards, cash and passport in the same bag.
- Create digital backups of documents like your passport, visas, travel insurance details, and prescriptions.
- Check for Canadian government safety and health advisories for the destinations you’re travelling to, and leave yourself plenty of time to get the recommended travel vaccinations – some require more than one jab.
- Register with Canadians Abroad to stay updated on emergency situations.
- Be mindful of local customs and laws to avoid unintentional offences
- Monitor weather conditions and local advisories, especially in regions prone to extreme weather or natural events
- Share your itinerary with someone at home and check in regularly while travelling
- Be cautious with food and water – stick to bottled or filtered water, avoid ice in uncertain settings, and choose freshly cooked food over anything that’s been sitting out
FAQ
Here are our most frequently asked questions about online travel insurance cover. 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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Am I covered if my luggage is lost or stolen?
Yes, World Nomads travel insurance provides coverage for lost or stolen luggage. Each of our four plans – Standard, Explorer, Epic and Annual – offers different coverages and benefit maximums. Compare plans to decide which one is best for you.
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Do I need to have Government Health Insurance Plan coverage in Canada while I’m travelling?
Yes. You will still need to have Government Health Insurance Plan (GHIP) coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.
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What if I’m travelling within Canada – do I still need travel insurance?
It’s not mandatory but is strongly recommended. World Nomads’ coverage starts when you leave your home province and provides essential protection against a wide range of mishaps that you could encounter on the road. A good travel insurance plan can help prevent unexpected events from turning into full-blown disasters. Keep in mind that your GHIP covers the basics out of province for emergency medical care, but not everything – which is why many travellers still take out travel insurance, even for trips within Canada.
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What happens if I get sick or injured while travelling?
If you become seriously ill or have an accident overseas, travel insurance can help cover medical treatment and hospital costs. It also gives you access to 24/7 emergency assistance, so support is just a phone call away when you need it most.
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Can I cancel my trip if something comes up before I leave?
Yes, trip cancellation coverage allows you to cancel your trip before departure for specific covered reasons, such as illness or unforeseen events. All World Nomads plans cover trip cancellation for covered reasons, but our Epic and Explorer plans also offer optional Cancel For Any Reason cover, giving you more flexibility if your plans change.
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What is emergency evacuation and why might I need it?
If you’re seriously sick or injured in a remote location without adequate medical care, emergency evacuation can cover the cost of transporting you to the nearest suitable facility or even back home. It may also include additional support, such as bringing a family member to your bedside in certain situations.
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What if I have to cut my trip short?
Trip interruption cover helps if your journey is cut short after it’s already begun. If you need to return home early or miss part of your itinerary due to a covered reason, it may reimburse unused, prepaid, non-refundable travel costs.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
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 the Schengen Area
Canadian residents can protect their trips to the 29 countries in the Schengen area
- As featured in:
As featured in:
At a glance
- World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents who are travelling to countries in the Schengen area
- Coverage for emergency medical expenses, trip delay, lost bags, natural disasters, and more may be included (up to the maximum limits shown in your policy documents)
- Some plans may also include travel insurance benefits, such as rental car protection and roadside assistance
- An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads
- Why should you consider travel insurance for the Schengen area?
- What May Be Covered
- Exclusions
- Maximum Limits
- Schengen Countries
- How to File a Claim
Why should you consider travel insurance for the Schengen area?
The Schengen Agreement makes it easier for travellers to visit multiple countries, and every day over 3.5 million people are crossing internal borders in these 29 countries. The treaty essentially means that when you cross the border into one of these countries, you have access to all of them (that is, you're free to travel between these countries with no border controls and no passport checks). Within the Schengen area there are so many adventures you can have. But what happens if you get hurt skiing in Switzerland and need to get emergency medical care, or if your bags get lost on the way to France? Travel insurance for Schengen countries may help with some of these unexpected situations.
Exclusions
- Travel to countries that you don’t list when you purchase your plan
- Non-emergency treatment that can wait until you return home province
- Activities not listed as covered in your policy documents
- Pre-existing conditions, as outlined in your policy documents
- Unattended baggage or personal items
- Injuries that happen while under the influence of drugs or alcohol
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 CAD Lost or Stolen Bags: Up to $1,000 CAD, per item limit of $500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Emergency Medical: Up to $10,000,000 CAD Trip Cancellation: Up to $15,000 CAD Lost or Stolen Bags: Up to $5,000 CAD, per item limit of $1,500 CAD Get a quote |
Emergency Medical: Up to $5,000,000 CAD Trip Cancellation: Up to $10,000 CAD Lost or Stolen Bags: Up to $2,000 CAD, per item limit of $1,000 CAD Get a quote |
Schengen Countries
How to File a Claim
If you have a World Nomads Travel Insurance plan, and experience a sudden, unforeseen circumstance due to a covered risk while you’re travelling outside of your home province, you’ll need to contact us as soon as possible and provide certain information that may include:
- Your name and contact information
- Your policy number
- The type of loss, as well as the amount
- The name of your travel suppliers
- The trip dates
- The amount you paid for your trip
You can then file a claim online.Claims can be made through your World Nomads member’s page at: https://www.worldnomads.com/travel-insurance-claims. Depending on the reason for your claim, you’ll need to provide required documentation that may include:
- Receipts and invoices
- Itineraries
- A statement from your attending physician
- Medical bills and reports
- Written documentation from the travel provider that explains the reason for your loss
- Proof of payment for the trip such as cancelled cheque or credit card statements
- Reports from the police or other authorities.
FAQ
Here are our most frequently asked questions about cover for the Schengen area. 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 Schengen Agreement?
The Schengen Agreement is a treaty that has been signed by 29 countries. Once you’ve crossed the border into one of them, you’re free to travel between the Schengen countries with no border controls and no passport checks. These 29 countries have agreed on a common visa application form for visitors from outside the area. So if your travels are taking you to Europe you might need to apply for this ‘Schengen visa'. We say 'might' because not everyone needs one...it all depends on where you're from and what countries you'll be visiting in Europe.
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Do I need a Schengen visa?
If you are a Canadian citizen with a Canadian passport travelling to Schengen countries for business or tourism, you will not need a visa as long as your stay does not exceed 90 days within any 180-day period. If you plan to stay in the Schengen area longer than 90 days in any 180-day period, you must contact the high commission or embassy of the country or countries you plan to visit and obtain the appropriate visa before you travel.
Also, be aware that ETIAS (European Travel Information and Authorisation System) will start operations at the end of 2026. This will affect visa-exempt travellers (including those from Canada) that are going to enter 30 European countries. Travellers will be asked to apply via the official ETIAS website or mobile app. Each applicant will undergo a detailed security check to determine their status for entry into any of the Schengen Zone countries.
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Does World Nomads Travel Insurance meet the Schengen visa requirements?
Yes…it does! If you are from one of the countries that requires a Schengen visa, you need to prove that you have adequate travel insurance that is valid for the entire period of your stay (or transit) in the Schengen area. World Nomads travel insurance policies do provide this cover (in fact, they cover much more than the required EUR €30,000) and therefore it should be accepted as part of your Schengen visa application.
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When does ETIAS start?
ETIAS will start in the last quarter of 2026, but an exact date has not been set yet. This will affect the process for visa-exempt travellers (including those from Canada) that are going to enter 30 European countries. Once it starts, travellers will be asked to apply via the official ETIAS website or mobile app. Each applicant will undergo a detailed security check to determine their status for entry into any of the Schengen Zone countries.
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How long can I stay in the Schengen countries without a visa?
As a Canadian citizen, you can visit Schengen area countries without a visa for up to 90 days in any 180-day period. If you plan to stay in the Schengen area longer than 90 days in any 180-day period, you must contact the high commission or embassy of the country or countries you plan to visit and obtain the appropriate visa before you travel.
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Can I get travel insurance if I’m travelling to multiple Schengen countries in one trip?
Yes. When you get a quote for Schengen area travel insurance, you’ll be asked to input which countries you’ll be visiting. Make sure you list all of the countries on your itinerary. When you buy a policy, you must select all the countries and regions where you’ll be travelling, and these will be shown on your policy documents.
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What EU countries are not included in the Schengen agreement?
The only EU countries that are not part of this agreement are Cyprus and Ireland.
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)
Long-term Travel Insurance
Looking to travel for more than a week or two? Canadian travellers taking extended trips may be covered for trips up to 365 days
- As featured in:
As featured in:
At a glance
- Plans that fit your travel style: World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents
- Longer adventures, covered: Single trip plans offer coverage for trips that are up to 365 days
- Year-round coverage for frequent travellers: Annual Multi-Trip plans may offer coverage for all trips outside of your home province over a 365-day period, but the maximum length per trip is 14 days
- Well-rounded protection on the road: Coverage for emergency medical expenses, trip cancellation, lost bags, natural disasters, and more may be included (up to the maximum limits shown in your policy documents)
- Why should I get long-term travel insurance?
- Included in All Long-Term Travel Insurance Plans
- Exclusions
- Maximum Length of Trips Covered
- Maximum Limits
- Questions to Ask When Choosing a Long-Term Travel Insurance Plan for Extended Trips
- FAQs
Why should I get long-term travel insurance?
Planning an extended trip? World Nomads offers long-term travel insurance designed for adventurous Canadians exploring the world. Our plans offer a variety of benefits suited for all types of travellers, including digital nomads, students on a study abroad program, families taking long holidays overseas, and new retirees heading out to explore their newly found freedom. The longer you’re travelling, though, the more potential you have for unexpected situations to occur.
Whether you’re travelling for several weeks or up to 365 days on a single trip, our plans may help protect you along the way – even if your journey includes adventure activities like hiking, cycling, or scuba diving. You may be covered for overseas medical emergencies, trip interruptions, lost bags and stolen personal items, and more.
Included in All Long-Term Travel Insurance Plans
Exclusions
- Pre-existing conditions, as outlined in your policy documents
- Incidents related to drug or alcohol use
- Non-emergency treatment that can wait until you return home
- Lost, stolen, or damaged items related to your profession or occupation
- Injuries or sickness that occurs in the 48-hour waiting period if you purchase a policy after you leave your home province
- Trips longer than 14 days if you have the Annual Multi-Trip Plan
- Trips longer than 365 days if you have the Standard, Explorer, or Epic plans
- Situations outside of the limits, terms, and conditions of coverage stated in your policy documents
Maximum Length of Trips Covered
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Trips up to 365 Days Get a quote |
Trips up to 365 Days Get a quote |
Trips up to 365 Days Get a quote |
Trips up to 14 Days Get a quote |
Maximum Limits
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Emergency Medical Expenses: Up to $1,500,000 CAD Trip Cancellation: Up to $2,500 Lost, Damaged or Stolen Bags: Up to $1,000, per item limit of $500 Get a quote |
Emergency Medical: Up to $5,000,000 Trip Cancellation: Up to $10,000 Lost, Damaged or Stolen Bags: Up to $2,000, per item limit of $1,000 Get a quote |
Emergency Medical: Up to $10,000,000 Trip Cancellation: Up to $15,000 Lost, Damaged or Stolen Bags: Up to $5,000, per item limit of $1,500 Get a quote |
Emergency Medical: Up to $5,000,000 Trip Cancellation: Up to $10,000 Lost, Damaged or Stolen Bags: Up to $2,000, per item limit of $1,000 Get a quote |
You must be covered by your Government Health Insurance Plan (GHIP) for the full duration of your trip. If travelling outside your home province for more than 183 days (212 for Ontario and Newfoundland residents), you must get written evidence of extension from your GHIP. If you don't, your total limit for all emergency medical expenses is limited to $40,000.
Questions to Ask When Choosing a Long-Term Travel Insurance Plan for Extended Trips
Maybe you’re one of 7,500 Canadian students who travel abroad to study in the U.K., or perhaps you’ve just retired and want to travel the world. Depending on the reason for your long-term trip, there may be different things you want to consider.
World Nomads offers single trip and annual multi-trip plans for Canadian residents, and when you get a quote for travel insurance, you’ll see multiple options. It may be tempting to consider the cheapest coverage option without reading the plan wording.
However, you’ll want to pick the plan that has the best travel insurance coverage for long-term trips, and offers the level of coverage you’ll need for your particular trip.
When deciding which plan is best for your trip, you might want to ask yourself:
- How long will I be gone on my trip?
If it is over 14 days, you may want to consider the Standard, Epic, or Explorer plan. Those plans may cover trips up to 365 days. Although the Annual Multi-Trip Plan covers all of your trips outside of your home province for up to 14 days, it is limited to trips that are 14 days or less.
- How much did I spend on my trip?
Long-term trips are usually more expensive, so look at the total you’ve invested in your vacation and then compare that to the maximum limits in the plans. If you spent a lot of money on your trip, you may want to consider the plans that have the highest maximum limits of coverage – the Explorer and Epic plans.
- What kind of activities will I be doing while I’m travelling?
Level 1 activities are covered automatically as long as you list them when buying, but if you’ll be participating in a Level 2 or Level 3 activity, you’ll need to upgrade your plan and pay the additional premium.
- Do I think there’s a possibility that I may decide not to go on my trip?
Trip cancellation coverage only covers certain reasons for cancellation. If you think you may change your mind, you may want to consider adding on the optional ‘Cancel for Any Reason’ coverage.
If you have any questions about what is covered, you can contact us and ask. Our team will be happy to assist.
FAQ
Here are our most frequently asked questions about cover for long term 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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What type of travellers could benefit from long-term travel insurance?
Long-term travel insurance 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, stolen belongings, and more during longer journeys.
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How long can I travel with a World Nomads long-term travel insurance plan?
That depends on the plan you purchase. World Nomads offers single trip and annual multi-trip plans for Canadian residents. The single trip plans may cover long-term trips up to 365 days in length, while the Annual Multi-Trip Plan may cover trips up to 14 days.
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Do I still need to have a Government Health Insurance Plan?
Canadians may be covered for trips lasting up to 365 days under a single-trip plan, but you must be covered by your Government Health Insurance Plan (GHIP) for the full duration of your trip. If you are travelling outside your home province for more than 183 days (212 for Ontario and Newfoundland residents), you must get written evidence of extension from your Government Health Insurance Plan. If you do not have GHIP for the full duration of your trip, your total limit for all emergency medical benefits will be $40,000.
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Where do I notate the length of my trip?
When you get a quote for long-term travel insurance, you’ll input information about where you’ll be travelling. You can also input your travel dates at that time.
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Is long-term travel insurance the same as expat or international health insurance?
No. Long-term travel insurance is designed for travellers on extended trips who still consider another country their primary residence. Long-term travel insurance may cover unexpected events only, whereas expat or international health insurance may cover more routine health issues. Expat or international health insurance is for those relocating abroad permanently or for an extended period of residency. If you’re unsure which suits you, check your travel plans and duration before purchasing.
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Can I extend my travel insurance if I decide to stay abroad longer?
If you’re having fun and want to stay on vacation longer, you may apply for an optional policy extension, as long as you haven’t made a claim and don’t have a reason to make one. Contact our team before your plan expires and we can assist.
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Can I buy long-term travel insurance after I’ve already left home?
Yes! With World Nomads, you may be able to buy a long-term travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage. If you buy a World Nomads plan while travelling, waiting periods and conditions may apply. There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. Also, after an event has occurred, like a natural disaster, you can’t be covered for that specific event. New events may still be covered, but if you’ve bought your policy after a storm is named we won’t be able to cover you for losses related to that storm.
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Which travel insurance plan should I get if I’m going on a long trip?
All of the single trip plans offered by World Nomads may cover long-term trips that are up to 365 days in length. If you’re taking a trip that is more than two weeks long, you’ll want to consider the Standard, Explorer, or Epic plan. The annual multi-trip plan covers more trips (including all trips outside of your home province in a 365-day period), but it doesn’t cover trips that are over 14 days.
When you get a quote, you’ll be able to compare the coverage and maximum limits of each plan side by side. We encourage you to think about all of the activities you’ll be participating in, as well as how much you’ve spent on your trip. If you have any questions about anything, reach out to our team and they’ll be happy to assist.
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What does long-term travel insurance cover?
Coverage may include emergency medical expenses, emergency medical evacuation, trip interruption, baggage protection, and more. All of the single trip plans offered by World Nomads may cover trips up to 365 days, but maximum limits of coverage varies by plan. Review your plan details to understand the full terms and conditions, limitations and exclusions of your 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)
Travel insurance coverage for family trips
Bringing the kids? Cover them all with one travel insurance plan for Canadians
- As featured in:
As featured in:
At a glance
- Choose your level of coverage: World Nomads offers four travel insurance plans. Plans range from standard to higher-limit protections.
- One plan. Up to seven kids: With World Nomads, you may be able to cover up to seven of your dependent children under one plan – if you’re adventurous enough to bring them all.
- Medical, trips and luggage covered: Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage.
- What may be covered on a family trip
- What may not be covered?
- What happens if you or your travel companion becomes ill or injured while on a trip with the kids?
- Who is covered under a family travel insurance policy?
- How can World Nomads Travel Insurance cover me and my family?
- Top safety tips we recommend for your family trip
- FAQs
Taking the kids along this time? We love seeing young travellers discover the world. Travelling with kids is full of adventure – and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Family travel insurance may help you manage those unexpected moments and keep your trip on track. Travel insurance for families may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What may be covered on a family trip
- Up to 7 dependent children on one travel insurance plan, for the same price
- Emergency Medical Expenses
- Emergency Medical Evacuation
- Trip Cancellation, Interruption and Delay
- Baggage and Personal Effects
- 24/7 Emergency Assistance
- 250+ Activities
What may not be covered?
- Non-emergency treatment that can wait until you return home
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.
- Participation in a sport or activity not listed in the covered activities list.
Important to know
World Nomads Travel Insurance can cover your family travels within Canada or abroad. Wherever you’re travelling to, you will still need to have Government Health Insurance Plan coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.
What happens if you or your travel companion becomes ill or injured while on a trip with the kids?
World Nomads family travel insurance plans may cover the transport of your minor children back home, accompanied by an attendant if necessary. With travel insurance for kids and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
Who is covered under a family travel insurance policy?
When you buy a family travel insurance plan, coverage may extend to:
- Parents or legal guardians travelling with their dependent children (under 21 years of age or up to 25 years of age if they are full-time students).
- Families who live in the same province and are Canadian residents
- Your dependent natural, adopted, step or foster children.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on a single-family travel insurance plan –for the same price
If your kids don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be travelling with you on the plan to ensure coverage for your whole family.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel insurance plans, designed for travellers by travellers, to help you travel confidently on your next family vacation. Our four plans offer differing levels of coverage, so it’s important you compare plans and pick the best one for your trip.
Are dependents covered up to the same policy limits?
Yes; as long as you’ve added them to your policy when purchasing, your kids are covered up to the same limits even though they are travelling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person.
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 plan number.Keep it on paper and in your phone 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 every family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a mobile phone, consider putting an AirTag on their shoe or backpack.
- Separate 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 their ID.
- Create digital backups of documents like your passports, visas, travel insurance details and prescriptions. Save them in a password-protected cloud folder.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for your family trip destination.
- Register with Canadians Abroad to stay updated on emergency situations.
FAQ
Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy a family travel insurance plan if we're already on our trip?
Yes, you may be able to buy family travel insurance after your trip has started. If you’re already travelling and realise you need coverage, you can still purchase travel insurance while abroad as long as you meet the plan’s eligibility requirements and your trip is outside your home province. You can choose the length of coverage that fits your itinerary – up to 365 days per trip. If your trip is more than 183 days (212 for Ontario and Newfoundland) you must have written evidence of extension of your Government Health Insurance Plan (GHIP) to qualify for coverage under the plan. Always review your plan wording carefully to understand when your coverage begins and ends.
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If the airlines lose our bags, am I covered?
Yes, World Nomads travel insurance provides coverage for lost or stolen baggage. Exclusions apply.
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What is covered if we need to cancel our family trip?
You would only be eligible for reimbursement if you cancelled for a covered reason as listed in your plan documents. These reasons could include being too sick and your physician has advised you not to travel, or the unexpected death of a family member. All World Nomads plans cover trip cancellation for covered reasons, but our Epic and Explorer plans also offer optional Cancel For Any Reason cover, giving you more flexibility if your plans change.
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What if one of the family gets sick while travelling?
If you or a member of your family is injured or gets sick while you’re travelling, and you’ve bought the plan for the activities you’re doing, emergency medical expenses may provide coverage for: hospitalisation; out-patient treatment for medical emergencies; prescribed medicines, X-rays and laboratory tests; and being brought home if medically necessary.
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How do I make a travel insurance claim?
You can make a claim online 24/7. Have your documents and receipts handy to upload, and get started. If you get stuck, you can call us collect on +1 416 646 3723 or send an email to worldnomads@travelguard.com and we will assist you with your claim.
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What do I do if I need emergency assistance?
No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.
When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back.
The contact information for medical emergency assistance is:
Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or
Phone: +1 416 646 3723 (collect from anywhere else in the world)
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like travelling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
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 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)
Flexible Travel Insurance for Expats
Learn why expats choose World Nomads for their overseas getaways and holiday breaks.
- 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.
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.
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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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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)
