Travel Insurance Credit
World Nomads is offering eligible travelers a travel insurance credit on unused policies due to COVID-19 travel restrictions - this is not available to residents of Brazil.
This offer is not available for residents of Brazil. For more options, please contact us.
Travel Insurance for Domestic Trips
US Residents May Be Able To Protect Their Trips Within the United States
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At a glance
- All World Nomads protection plans may cover domestic trips within the United States
- Trips more than 100 miles from your home may be covered
- You may be covered for more than 250+ activities
- Benefits may include trip cancellation, accident & sickness medical expenses, baggage and personal effects and more
- An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads (Not available for New York residents)
- Why should you consider travel insurance for domestic trips?
- What May Be Covered by Travel Insurance for Adventures and Activities in the US
- Exclusions
- Maximum Benefit Amounts
- The ‘Trip Cancellation’ and the optional ‘Cancel For Any Reason’ Travel Insurance Benefit
- Fun Ideas for Your Next Vacation in the United States
- FAQs
Why should you consider travel insurance for domestic trips?
Here in the United States, there’s so much to see and do – and you don’t have to leave the country to have an awesome vacation. According to recent data, US residents took 720 million trips within the country in 2025*. Those trips may be closer to home, but travel challenges like canceled trips, delayed bags and medical emergencies can still happen.
What happens if a hurricane wipes out your Florida beach bungalow making it uninhabitable, the airline loses your luggage, or you get hurt in Colorado while skiing? Those situations can be annoying and costly, but if you’re traveling more than 100 miles away from your home, you may be able to still get travel insurance coverage for your trip within the United States. When you get a quote for a travel protection plan with domestic travel insurance benefits, you’ll be able to compare the coverage included in each of the four plans that World Nomads offers for US residents.
What May Be Covered by Travel Insurance for Adventures and Activities in the US
Exclusions
- Travel within 100 miles of your home
- Activities not listed as covered in your plan
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and qualified for the pre-existing condition exclusion waiver. Additional terms apply.
- Injuries that happen while under the influence of drugs or alcohol
- Routine physical examinations or routine dental care
Maximum Benefit Amounts
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Accident & Sickness Medical Expense: $125,000 per person Trip Cancellation: $2,500 per person Get a quote |
Accident & Sickness Medical Expense: $150,000 per person Trip Cancellation: $10,000 per person Get a quote |
Accident & Sickness Medical Expense: $250,000 per person Trip Cancellation: $15,000 per person Get a quote |
Accident & Sickness Medical Expense: $100,000 per trip Trip Cancellation: $5,000 per coverage term Get a quote |
What is the difference between the Trip Cancellation benefit and the optional Cancel for Any Reason travel insurance benefit?
Trip cancellation insurance benefits are included in all single-trip and annual domestic travel insurance plans offered by World Nomads and this gives you the opportunity to cancel your trip before you depart – but only for covered reasons. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if your situation is one of the covered cancellation reasons listed in your plan documents.
‘Cancel for any reason’ coverage allows you to cancel for any reason not otherwise covered by the plan , but it isn’t automatically included. It’s an optional add-on benefit with an additional cost for US residents (Not available to New York residents) that’s available if you purchase the Epic or Explorer plan within seven days of the date your initial payment/deposit on your trip. This is called the ‘time sensitive period’. With ‘Cancel for Any Reason’ coverage, benefits can be reimbursed for up to 75% of prepaid and non-refundable deposits and payments you made towards your canceled trip. Additional terms and conditions apply.
Fun Ideas for Your Next Vacation in the United States
You don’t have to travel overseas to have great adventures. Here are a few cool destinations that our nomads love.
FAQ
Here are our most frequently asked questions about cover for domestic 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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Do I need travel insurance for trips within the United States?
Travel insurance benefits may cover a variety of unexpected situations such as trip cancellation, lost or delayed bags, and more. If you’re traveling more than 100 miles away from your home, you can get a quote for travel protection that covers trips within the United States. You can then see all four plans offered by World Nomads and decide if you want to get travel protection.
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Does travel insurance cover rental cars?
The Explorer, Epic and Annual plans offered by World Nomads Travel Insurance include travel insurance benefits for rental car damage. When you get a quote, you can compare the maximum limits offered by each plan. If you have any questions about what is covered, contact us and ask.
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Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes domestic travel insurance coverage online at anytime. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage, you’ll need to buy your travel protection plan at least the day before you need coverage.
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How do I file a claim?
You can file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your claim. For example, if you are canceling your trip due to illness, you may need to show medical reports proving you were unable to travel.
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)
What Does Domestic Travel Insurance Cover?
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Just because your trip isn’t on a faraway continent thousands and thousands of miles away, doesn’t mean that things can’t go astray. If you’re traveling within your home country, World Nomads offers domestic travel insurance ─ though only for residents of select countries. If you’re a U.S. citizen, check out our page on Domestic Travel Insurance that sums up all the benefits.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamWhat to do if you’re hurt in an accident
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- 1. Safety comes first
- 2. Get any reports in writing
- 3. Get it in writing
- 4. Hold on to your receipts
- 5. Need to know more?
- How does my travel insurance policy help me in an emergency?
1. Safety comes first
If you are seriously hurt during your overseas holiday, then make sure you attend a local medical centre or hospital immediately to receive medical attention.
2. Seek medical attention
If you’re experiencing an emergency our 24/7 Emergency Assistance Team can advise you of the nearest medical facility if you are unsure where to go, or if you need help navigating a foreign language.
Once you’re able to contact our 24/7 Emergency Assistance Team, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location.
Once you’ve been admitted to hospital or reviewed by a doctor in a medical centre, you’ll need to contact our 24/7 Emergency Assistance Team to update them on your situation. If you are hospitalised or if your treatment expenses as an outpatient are likely to go above NZD$2,000, then our Emergency Assistance Team will liaise with the hospital on your behalf to arrange payments.
For injuries where treatment costs are not expected to exceed NZD$2000, you pay all your medical fees, and then submit all your receipts to our claims department for reimbursement.
3. Get it in writing
If you’re injured and wish to claim for your medical expenses, always remember to collect as much supporting documents as possible. Some examples of documentation that you may need to provide include:
- Treating doctor’s report stating how the injury occurred and the diagnosis.
- Hospital admission report.
- Report from the emergency medical transport service (if taken to hospital by ambulance or helicopter).
- Medical imaging reports from any scans or tests that were conducted.
- If the police attended the scene of your accident, ask them for a police report.
- Medical centre or hospital invoices showing a list of the individual costs associated with your care and treatment.
4. Hold on to your receipts
Make sure you retain all your receipts if you intend on claiming for medical expenses. This includes receipts for any pharmaceutical products that you purchased in relation to your injury. If you cannot provide receipts to substantiate your treatment expenses, then your claim may be dismissed, or any payments that you do receive might not be for the full amounts.
It’s always a good idea to keep all documentation relating to your holiday in general, not just for your accident. As well as medical receipts, make sure you keep your itinerary, correspondence from airlines or hotels regarding cancellations, as well as all hospital, police, and doctor’s reports.
5. Need to know more?
Always read your Policy Document carefully so that you will be clear about the terms and conditions, limits, exclusions, and benefits of your plan. Our Standard and Explorer plans both have different levels of cover. It’s your responsibility to know the details of your policy, including what is and what isn’t covered, in case you need to make a claim. Your Policy Document will always have the full details.
If you have questions about what's covered and not covered, just ask us.
How does my travel insurance policy help me in an emergency?
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
