Compare Travel Insurance Coverage
Choose a plan to suit your needs.
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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
Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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Congrats, mama-to-be! 🎉 Time to enjoy some fun before your little nomad arrives. Book that babymoon—you’ve earned it! And don’t forget to get travel insurance to cover any surprises along the way.
Can I still get travel insurance if I’m travelling while pregnant?
Yes – we don’t expect you to sit 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 could be a good idea to consider travel insurance when you’re travelling while pregnant.
Just read your policy and make sure you understand what it does and doesn’t cover. Starting at nine weeks before your due date, travel insurance won’t cover any pregnancy-related medical issues. It also isn’t going to cover the costs of childbirth if the baby comes while you’re travelling. By your third trimester, your doctor may recommend that you stay close to home anyway.
How to get emergency assistance
It’s essential that you get in contact with our Emergency Assistance team as soon as possible so that you can get support.
Please be ready with the following:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
What is covered by travel insurance?
When travelling while pregnant, there are several benefits included in your travel insurance plan that could be especially important to you.
- Emergency Medical Expense Coverage: Morning sickness is one thing, but if a serious medical emergency happens while travelling pregnant, you’ll want travel insurance! It can help cover doctor visits, hospital stays, medications, and ambulance rides. Our travel insurance plans for Canadian travellers provide emergency medical coverage including coverage for an emergency medical condition due to complications of pregnancy within the first 31 weeks of pregnancy.
- Trip Cancellation and Trip Interruption: Pregnant and facing a medical emergency before or during your trip? Trip cancellation or trip interruption coverage could save you a lot of money! If you, your travel companion, or an immediate family member develops a medical condition before leaving Canada or your trip is interrupted due to an emergency medical situation, including a complication of pregnancy within the first 31 weeks of pregnancy, you may be eligible for reimbursed of your prepaid non-refundable flights, hotels, and more. This protection is especially important when travelling while pregnant, as your health could change rapidly.
- Lost or delayed baggage: If your checked bag is lost by your common carrier, you could be reimbursed for your belongings (up to maximum limits stated in your policy wording.) If your checked bag is delayed for more than 12 hours, you could also get reimbursed for the costs of toiletries and a change of clothes.
Best Travel Insurance Plans for Pregnant Travellers
World Nomads offers two travel insurance plans for Canadian residents, both covering pregnancy-related medical issues up to 31 weeks:
- Standard Plan:
- Emergency medical coverage up to CAD $5,000,000
- Lower premiums, basic coverage
- Explorer Plan:
- Emergency medical coverage up to CAD $10,000,000
- Higher limits and more comprehensive coverage
Important: You must maintain coverage through your home province’s Government Health Insurance Plan. Without it, emergency medical coverage limits max out at CAD $40,000.
When requesting a pregnancy travel insurance quote, you can compare both plans side-by-side to choose the best fit. Unsure about coverage? Our customer service team is here to clarify any questions.
Am I covered for activities while I’m pregnant and travelling?
World Nomads covers more than 250 activities for Canadian residents. Let’s be real though – just because World Nomads covers so many activities, doesn’t mean you should be participating in all of them when you’re travelling while pregnant. Every person is different, and your doctor can give you the right advice for your particular situation. Once you know what activities are safe and you make a plan, you can then get a quote for travel insurance. At that time, you’ll need to list all of your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time.
We cover 250 activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
Can You Fly While Pregnant?
In most cases, yes - flying while pregnant is safe for healthy women, especially during the second trimester, which is often considered the safest time to travel. But every pregnancy is different, so always check with your doctor first. If they advise against flying, don’t risk it—travel insurance won’t cover you if you ignore medical advice.
Before booking, review your airline’s pregnancy travel policy. If you're near your due date, you may need a note from your doctor confirming your due date and any potential complications. No letter? You might be denied boarding—and that’s not something your travel insurance will cover.
Plan ahead, get your paperwork in order, and fly safe!
What’s not covered by travel insurance?
Travel insurance could cover several unplanned situations if you’re travelling while pregnant, but it isn’t meant to cover everything. If your doctors tell you not to travel while you’re pregnant, and you do it anyway, you won’t be covered by travel insurance.
A few other things that wouldn’t be covered include:
- Routine prenatal care
- Giving birth during your trip
- Any pregnancy-related medical issues starting at nine weeks before your due date
- Any pre-existing medical condition(s) as explained in the policy wording
- Medical expenses incurred while travelling within your home province
Top Tips for Travelling While Pregnant
Got the diapers and onesies? Cool. Now here’s your travel checklist. Just because you’re expecting doesn’t mean you have to cancel all your adventures—unless your doctor says so, of course.
- Check in with your doctor: Before booking, talk to your healthcare provider about whether travel (especially flying while pregnant) is safe for you.
- Know your destination: Check the Canadian government’s travel advisories for any health risks.
- Airline rules: Some airlines require a doctor’s note if you’re flying while pregnant—check before you go.
- Don’t skip the stockings: Compression socks aren’t cute, but they help reduce the risk of blood clots on long flights.
- Hydrate like a pro: Drink water often—preferably bottled if you’re unsure of the local water quality.
- Pack meds in your carry-on: Don’t risk losing important prescriptions in checked luggage. Include nausea relief, just in case.
- Buckle up smart: Keep your seatbelt low and under your belly for comfort and safety.
- Go for the aisle seat: Trust us—you’ll want easier access to the restroom.
- Watch your meals: Avoid carbonated drinks, gassy foods, and all-you-can-eat regret.
- Save your travel insurance info: Keep your policy number and 24/7 emergency assistance line handy on your phone.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFamily travel insurance for Canadians
Toddlers or teens in tow? World Nomads covers up to 7 dependents
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So you’re travelling with tots and teens in tow? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age – which is why we can cover your entire brood as additions to your family plan. Be sure to list them as dependents when you buy your travel insurance.
What does your coverage offer?
Under the Standard and Explorer Plans, World Nomads offers coverage that’s suitable for families:
- Emergency medical treatment
- Emergency medical evacuation
- Trip cancellation, Trip interruption and Trip delay
- Baggage loss/theft and Baggage delay
- A wide variety of adventure activities (Additional premiums may apply, depending on your activity choices.)
As a Canadian Nomad, your plan also gives you (and your family) access to:
- A 24/7 Emergency Assistance team that provides local information and help accessing nearby medical facilities
- Safety information to help plan your trip
- Travel guides and videos for inspiration
What counts as a dependent?
Dependent children are unmarried and rely on you for support, and are at the time the insurance is purchased:
- Under 21 years of age; or
- Full-time students under 25 years of age; or
- Mentally or physically incapable of self-support, at any age.
- Foster children must be under your legal guardianship and reside at your address.
- Dependents must also be travelling on the same itinerary as you to be on the same policy.
Are dependents covered at the same limits as adults?
Yep – no need to worry! Travel insurance isn’t like going to restaurant and ordering kid-sized meals with smaller portions. Your children are covered up to the same limits even though they are travelling under your wing .
Got another question? Just ask World Nomads or contact our customer service team.
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.
How do I buy a family travel insurance policy?
All you need to do is enter a few details about yourself and your holiday as well as the ages of all your family members and we will automatically generate a quote for a family travel insurance policy with both Standard and Explorer options.
Once you’ve selected the right level of coverage and paid the premium, you will get an instant confirmation of coverage and policy wording sent directly to your email. You must read the policy to ensure you understand the coverage.
Monkey Bite
While visiting the Monkey Forest in Bali, I was bitten by a monkey. After returning to the hotel, I visited a local doctor. I received the first rabies vaccination and then went to the International SOS office in Bali for an examination. There, I received a second rabies shot followed by immunoglobin shots.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need prescription meds?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need to get to a hospital urgently?
- You or a family member deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Extended Trips
Flexible Coverage for U.S. Travelers Abroad
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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.
Are you in need of emergency assistance right now?
Contact the teamTravel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
- As featured in:
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
- What does travel insurance cover for pregnant women?
- What isn’t covered by travel insurance while pregnant?
- Can I fly during pregnancy?
Just because you’re pregnant doesn’t mean you can’t still see the world! If you’ve already booked travel, or if you want to take a babymoon to enjoy a vacation before your bundle of joy comes along, our travel insurance* plans may help look after you should something go wrong.
What does travel insurance cover for pregnant women?
You may be wondering if you can still get travel insurance if you’re pregnant … and the answer is yes. While travel insurance doesn’t cover routine maternity care, it may cover ‘complications of pregnancy’, as defined in your plan documents. It is important to know and understand the definition of this term, so you know what is (and isn’t covered). The following is directly from World Nomads plans:
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.
If you develop complications of pregnancy, you may have coverage for:
- Emergency medical care expenses, including ambulance transportation, hospitalization, emergency physician services and medicines.
- Emergency medical evacuation back to the U.S. if deemed necessary.
- Trip cancellation
If something does happen when you’re travelling, you can contact the Emergency Assistance team who can refer you to the nearest hospital and help you navigate local customs.
World Nomads plans offer coverage for many other unforeseen circumstances that can derail a trip, such as:
- Trip delay
- Delayed, lost or stolen baggage
- Emergency medical expenses, if you suffer an accident or unforeseen illness that is unrelated to your pregnancy.
What isn’t covered by travel insurance while pregnant?
It’s important to be aware that any non-emergency expenses caused by or related to your pregnancy aren’t covered, such as routine prenatal care including ultrasounds and blood tests. Other pregnancy events that may not be covered include:
- Normal labor and childbirth, even if you give birth while traveling.
- Treatment of other conditions associated with a difficult pregnancy.
- Pre-existing medical conditions that may be exacerbated by your pregnancy.
- If you are traveling against the advice of your doctor.
- If you are medically unable to travel at the time you book your travel arrangements.
Our travel insurance plans don’t cover everything so make sure you read your plan document. If you decide not to travel due to your pregnancy and choose to cancel your trip, you would only be covered (up to plan limits) if you purchased the Explorer or Epic insurance plan as well as the optional cancel for any reason’ coverage, which is available at an additional cost during the time sensitive period, only. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
If you’re unsure about anything or have questions about how pregnancy might affect your travel insurance coverage, you can contact us.
Can I fly during pregnancy?
That’s up to you to discuss with your doctor but it may affect your travel insurance and whether you’re covered. 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 claim on your plan benefits, because the airline denying your boarding due to a violation of their company policy is not a covered event under the plan.
*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.How to get assistance if you're sick or injured while pregnant.
It’s essential that you get in contact with our Emergency Assistance teams as soon as possible so that you can be supported from the time you fall sick or get injured until the time you get home.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
- Your policy number.
- A contact number for where you are now.
- The nature of your problem.
- Your location.
Unable to travel in first trimester.
I unexpectedly became pregnant towards the end of November. I was planning on still going on the trip until my doctor diagnosed me with Hyperemesis Gravidarum. They recommend not leaving the country due to these complications in the first trimester of pregnancy.
M.McClendon. U.S Nomad.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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If I decide to return home during my trip, is there cover for those expenses?
No, there's no cover for change of mind.
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If I fall pregnant before my trip, can I cancel?
The policy doesn’t cover cancellation for change of mind. If you have complications with your pregnancy, World Nomads can offer you cover.
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Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing pregnancy complications.
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Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies cover pregnancy.
