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.
Essential protection for Americans on domestic trips, within the USA.
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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
Maybe your next trip won’t include crossing an ocean or boarding a plane. Sometimes the best vacations are just a few hours' drive away from home. But just because you’re traveling within the United States doesn’t mean there isn’t a risk that your trip will go off course.
World Nomads domestic coverage starts from at least 100 miles away from home and provides essential protection against a wide range of mishaps you could encounter on the road.
It doesn’t matter if you’re on a distant continent or on a road trip just a few hours from home – you could sprain your ankle, get into a car accident, or be delayed by inclement weather just about anywhere. A good travel insurance* plan can help prevent any of these unexpected events from turning into full-blown disasters.
Accidents and emergencies can happen on any getaway. Here are five ways domestic travel insurance could help:
Travel insurance doesn’t apply in every circumstance, and some things just won’t be covered. Your plan will outline the exclusions to your coverage in detail, but here are a few examples:
Along with the above, World Nomads includes the following non-insurance services in your domestic insurance policy:
*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.
On a flight from San Diego to Honolulu, I checked my surfboard bag, which contained three surfboards. When I went to claim my bag, I found that two of my surfboards had been broken beyond repair. Both boards were broken into two pieces and the noses were crushed. After examination, it seems as if my ultra-protective surfboard bag (packed with utmost care), was either dropped upside-down from a high place or crushed by the weight of other bags during air or ground transport.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamAs featured in:
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.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamAs featured in:
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.
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:
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.
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:
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.
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.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamFind the right policy document for your trip
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Sign inPlease get a quote to get the latest policy document specific to your country of residence.
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If you suddenly feel unwell at any time during your overseas trip, go to the nearest medical centre or hospital. An emergency transport service provider can carry you to the nearest hospital if you’re in too much pain to walk or take public transport.
In case you don’t know the whereabouts of your nearest hospital or doctor’s surgery, you can call our 24/7 Emergency Assistance Team who will direct you where to go. You’ll need to tell them your policy number, what seems to be wrong with you and your current location.
After being examined by a hospital or medical centre doctor, call our 24/7 Emergency Assistance Team again to update them on your situation. If you’re admitted to hospital, our Emergency Assistance Team will correspond with the Admissions Department regarding payments and care arrangements.
You will need to provide copies of all reports in relation to your illness. Cover is only provided for illnesses that happen during your trip and not for any existing medical conditions. We may request a report on your medical history from your General Practitioner in New Zealand if we require further information. Types of reports you’ll need to obtain include:
If you wish to claim for any expenses you incurred because of falling ill on your overseas holiday, then you’ll need to be able to provide your receipts. While it’s always necessary to keep receipts for your medical expenses, make sure that you keep any other receipts from your holiday as well. Receipts for hotel stays, flights and even dining receipts (if you experienced food poisoning) may be required to substantiate your claim. Examples of receipts that you should keep include:
If you or one of your travelling partners contracts COVID-19 at any time during your holiday, and you need to cancel your travel plans, then you may be able to claim for any non-refundable expenses that you had incurred. Your Explorer Plan cover must already be in effect (having already passed your 72-hour waiting period), at the time that you or one of your companions caught COVID-19.
To support your claim, you’ll need to obtain a treating doctor’s report or medical certificate stating the Coronavirus diagnosis. Other documents that you’ll need to provide include pathology reports or official health statements indicating a positive COVID-19 result for you or anyone in your travelling party. Any claims for non-refundable expenses will need to be supported by copies of your receipts.
Please note: Coronavirus cover varies between plans.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details including terms and conditions, limits, and exclusions.
This information may help if things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Document will always have the full details of what you’re covered for.
If you have any further questions about what’s covered and not covered, just ask us.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamAs featured in:
If your passport is stolen while you’re on your trip, follow this guide on what to do next. Rest assured knowing that our policies may help cover your extra costs while you arrange an emergency replacement passport.
Here’s what you need to do:
Report the incident to the relevant authorities and make sure you get a report from them. Relevant authorities may include:
Important: For some countries, it may be an offence not to report the loss or theft or your passport as soon as you learn of the loss. It may also affect your travel insurance cover if you don't report it immediately. Contact us if you need help.
Check the process to apply for an emergency or replacement passport with the nearest New Zealand embassy. To organise a replacement, you may need:
If you need to travel to a different location to apply in person or collect your emergency passport, you should arrange to do this.
As soon as you know that any of your travel plans are going to be affected, contact any accommodation, tour, transport and other providers to rearrange or cancel any plans you may have.
Make sure you get confirmation from them in writing of the changes or cancellation and keep receipts and details of any refunds or extra fees paid.
You'll need to keep all official reports you were given and all original receipts as evidence to support a claim on your travel insurance policy, including your itineraries and booking and cancellation confirmations for any affected transport, accommodation and additional expenses.
In the event of a claim, provide all your supporting documentation such as receipts.
Our policies may cover you for the official processing fees to replace your passport if it got lost stolen or was accidentally damaged.
If your trip is interrupted as a result of your passport being stolen, if it got lost, stolen or was accidentally damaged, we may cover you for reasonable and necessary additional travel and accommodation expenses incurred to replace these items. You can find more information in the Policy Document.
If you have any questions about what's covered and not covered, feel free to contact us.
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please carefully read your Policy Document for a full description of coverage. If you have any questions, please get in touch.
The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamAs featured in:
Once you realise that your baggage has been delayed, speak with a representative from your carrier (usually your airline) to report the delay. Ask them for a Property Irregularity Report (PIR) or another official document. The report should state the reason for the delay as well as the date and time that your luggage is estimated to arrive.
Ask the carrier for some financial assistance to help you buy some everyday items such as toothpaste, deodorant, or new underwear while you wait for your bags. If they refuse your request, then ask them to put the reason for their denial in writing to you. You must include this letter or report with your other documentation when submitting your claim for essential items.
If you need to buy a few essentials to make life more comfortable until your bags arrive, then you’ll need to keep copies of your receipts should you wish to claim for these expenses.
Cover for essential items is only offered to travellers whose luggage is delayed for at least 12 hours after their scheduled arrival. If your luggage is returned to you within 12 hours of arriving, you cannot claim for essential items.
Therefore, only receipts showing a date and time which is at least 12 hours after your scheduled arrival, and before the delivery time of your luggage, will be covered.
After you get your bags, ask your carrier for a report stating the reason for the delay, the length of the delay, as well as the date and time the luggage was returned to you.
Before you rush out to your favourite designer’s shop to buy this season’s must-haves, please remember that only reasonably necessary items may be covered under our policies. Some examples could include toiletries, prescription medications or new underwear.
These are items to help you stay clean, fresh, and comfortable until your baggage is returned to you.
There is no cover for essential items if your luggage is delayed on your return home to New Zealand.
Both our Standard and Explorer plans have different daily limits of cover. Please read through your Policy Document to make sure you’re aware of the limits, benefits and exclusions that relate to your policy.
This information could help you if things go wrong and you want to make a claim. All travel insurance plans are different, and cover will vary depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Document will always have the full terms and conditions, limits, and exclusions that apply.
If you have questions about what’s covered and not covered, just ask us.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamQualquer coisa pode acontecer em uma viagem (e acontece).
As featured in:
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
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 teamSeguro viagem simples e flexível. Compre em casa ou durante a viagem e faça a solicitação online de qualquer lugar do mundo
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