Travel Insurance for Mexico
31 states. Countless adventures. Make sure you’re covered for medical emergencies, baggage and personal belongings, and more.
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Amongst the world’s most popular destinations, Mexico, has something to offer travelers from all parts of the globe. You can get stuck into adrenaline-pumping adventure activities, immerse yourself in the culture and history, or just relax by the beach. But Mexico is also a country where your safety and health should be taken seriously, that’s why travel insurance is essential if something goes wrong.
Despite its incredible natural wonders and beauty, Mexico can also be a dangerous place, especially if you don’t know the language and end up in the wrong part of town. However international travelers shouldn’t be deterred from experiencing one of the world’s most interesting cultures.
Here are some tips on how to stay safe and how to make the most out of your travel insurance coverage.
Baggage theft in Mexico
If you’re airline loses your bag or you're exploring the bars and cafes around Costa Maya and your wallet goes missing, you’ll need to get in touch with the police as soon as possible. Theft is one of our most common travel insurance claims by travelers in Mexico, which is why World Nomads travel insurance plans offer some protection for theft or lost luggage checked into a common carrier. Benefit limits, conditions and exclusions apply, and coverage varies depending on your Country of Residence and the plan you’ve chosen.
Whatever happens, you'll need to get a written report of the incident. If there has been a theft, you must report this to the police. For theft or other incidents including loss of items, you must also report this to another authority, such as your tour operator, Bus Company, airline or hotel. This will need to be done as soon as reasonably possible in order to support your claim.
We understand that this can be a challenge when in a country where you don't speak the language. Thankfully, our 24/7 Emergency Assistance team can help you negotiate the local administration.
Travel insurance for medical emergencies in Mexico
Many of us have been found guilty of over indulging when it comes to Mexico’s amazing food and drinks or come down with a bad case of Gastro. The danger with food poisoning or drinking contaminated water is that vomiting and diarrhoea can result in serious dehydration which can be deadly, so don’t rely on your own instincts or the Internet to get medical advice.
These emergencies can take down even the most experienced international traveler. That’s why our 24/7 Emergency Assistance team can advise on what to do, help locate suitable medical facilities (particularly in remote areas where access to medical care can be tricky), and monitor your medical treatments if needed to make sure you are given proper care.
If you're involved in an accident, for example, while visiting the Mayan ruins that requires emergency medical treatment during your trip, your policy may cover emergency medical expenses for:
- Overseas emergency medical and surgical treatment and hospital charges (admission as an in-patient).
- Out-patient treatment (no hospital admission).
- Emergency dental treatment to relieve immediate pain.
- Outpatient physiotherapy when prescribed by a medical practitioner.
- Specialist counselling services if you suffer psychological trauma.
- Emergency medical transport and repatriation home if medically necessary and authorised by our emergency medical assistance team.
Please note: Coverage depends on your Country of Residence and varies between travel insurance plans.
If something goes wrong, such as robbery, accident or illness, we provide travel insurance that can help with:
- Emergency overseas medical.
- Emergency medical evacuation or repatriation when necessary.
- Luggage and personal effects cover.
- 24-hour Emergency Assistance.
- Cover for some Coronavirus-related events.
If you need more tips on traveling abroad in the midst of COVID-19 restrictions our COVID-19 travel insurance tips may provide some answers.
Is there travel insurance for scuba diving?
We’ve designed our plans to give you the freedom to learn and hone your diving skills by offering coverage for scuba diving accidents and other injuries underwater. Though both our Standard and Explorer plans include benefits for scuba diving, each plan has a different level of coverage and may exclude certain types of diving or dives of a certain depth.
For more information on scuba diving and what you are covered for, our Scuba diving article may help answer your questions.
An upgrade for certain activities and sports may be required and terms and conditions apply for each sport. Besides Scuba diving, World Nomads offers cover for 150+ adventure activities including:
- Surfing
- Hiking
- Backpacking
- Kayaking
- Sandboarding
- Snorkelling
This is only a summary of cover and does not include the full terms, conditions, limits and exclusions of the policy. You should read your policy wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel cover please contact us for help.
Stolen Belongings
While on a bus from Belize City to Chetumal, Mexico, I put my large backpack into the storage area on the bus. After I transferred to a bus heading to Tulum, I discovered that my laptop was no longer in my backpack.
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 or your family sick or injured?
- Natural disaster or terrorist attack where your'e going?
- Called to active service?
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 medication?
- 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
- Hurt abroad?
- Need to get to a hospital urgently?
- Default text
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Video camera gone?
- Laptop lost?
- Sports gear stolen?
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 when on a road trip
Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance
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One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.
Trip cancellation
Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.
Emergency medical
Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.
Rental car insurance
Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.
Emergency Assistance
If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.
Trip interruption and delay
You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.
Baggage and personal belongings
If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.
There are many ways to explore the globe, but nothing beats getting in a car or camper van and exploring some the big cities and off the beaten track scenery. Taking the extra time to research and plan ahead – and consider travel insurance – can ensure that you’re covered at every pit stop of your road trip.
What are the benefits of travel insurance?
One of the best things about road trips is the freedom to explore a region or country at your own pace, on your own terms. Travel insurance is designed for many modes of transport, and there are many reasons why it’s important while you’re on the road. You should note that coverage depends on your Country of Residence and varies between plans.
What's Covered for Road Trips Abroad?
- Sudden trip cancellations
Has your road trip ended before it started? An unexpected illness, a car accident or the US Department of State or similar body issuing a ‘Do Not Travel’ warning to a specific region or country can stop you from getting on the road at all. The cancellation benefit is for certain insured events and may allow you to cancel your trip and recuperate your pre-paid, non-refundable deposits when an emergency happens and depending on your country of residence and the plan you’ve chosen. Check out more about cancellation cover to know what you may be covered for.
- Unexpected medical emergencies on the road
Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. Especially if your injuries are beyond minor bumps and scratches and you end up in hospital. Our plans include emergency medical, evacuation and repatriation coverage for ambulances or transfers to an appropriate medical facility when needed. If you’re accidentally injured or suddenly become ill while on your road trip, our 24/7 Emergency Assistance team is on hand to help you. Always check the maximum benefit amount specified in your Policy Wording.
- Rental car insurance for vehicle damage
Car breakdowns and traffic accidents can put a dent in your wallet as well as your rental car if you don’t have vehicle coverage. Our Explorer plans offer travel insurance cover if your rental car is damaged or stolen during your trip. Cover is also available for the cost of replacing rental car keys if lost, stolen or damaged during the rental period. You must have a valid licence in your country of residence for the class of vehicle you’re driving overseas, regardless of local laws. You must also comply with local laws of the country in which you’re driving. Please note: travel insurance doesn’t replace the need to have a signed rental vehicle agreement or damage waiver in place.
- Emergency assistance at any hour of the day
When you’re in an unfamiliar place (especially a country where you don’t speak the language), it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24-hour Emergency Assistance team to support you in a crisis. Whether your car has broken down in the middle of nowhere, need urgent medical attention or a referral for roadside assistance, our Emergency Assistance team can help you out in whatever part of the world you’re travelling.
- Road trip interruptions and delay
There’s nothing worse than spending a lot of money on a big trip investment only to lose everything something unexpected throws a wrench in your plans. Trip interruption coverage can help salvage the pre-paid, non-refundable trip expenses that you’ve forfeited because of an insured event that disrupted your travels. Depending on your country of residence and the plan you have chosen you may have access to certain trip interruption and travel delay benefits. Our Help Centre article on trip interruption will help with added information.
You may also need help getting your trip back on track. If you get delayed while overseas by more than 12 hours, you may need to pay for a hotel or a meal as you catch up to your itinerary. Check your Policy Wording for any conditions you need to meet: your delay might need to be a certain number of hours, (more than 12 hours for international travellers) or be caused by an insured event. Our Help Centre article has information on delayed and missed flights.
- Protection for stolen belongings and baggage
You may have camping gear in your trunk or your camera in your compartment. Thieves can be crafty enough to dodge security measures and get into locked spaces. You can make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Please note that if the baggage is stolen from a vehicle, there must be visible evidence of damage and forced entry into the vehicle and/or locked compartment, which is confirmed by a police report. Always keep any proof of ownership, age and value of your belongings. And keep any receipts for items you buy on your trip in case you need to make a claim.
What isn’t covered for road trip travel insurance?
- Pre-existing medical conditions. Read your Policy Wording for more details.
- Loss, theft or damage to the extent you’re entitled to compensation from the carrier, other service provider or anyone else.
- Medical treatment that can wait until you return to your country of residence.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.
- Any other reason listed under the section exclusions and General Exclusions in your Policy Wording.
Need some road trip inspiration?
Check out these inspiring World Nomads road trip articles:
- How to Plan a Safe Road Trip During COVID-19
- How to Road Trip the Australian Outback Safely
- 4 Lesser-Known Canada Road Trip Ideas for Your Next Adventure
- Is it Safe to Drive in Costa Rica? Road Safety Tips
- 5 Safe Driving Tips for a Winter Road Trip in Europe
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
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?
- 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
- Need medication?
- Suddenly sick?
- Accidentally injured?
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
- Hurt abroad?
- Medevac home?
- Need an ambulance?
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)
Car theft in South Africa
We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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 when visiting Great Britain
What to know when planning your British getaway.
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Ahh, Great Britain - home to the British royals, countless unique castles, stunning scenery, and a rich history, which spans from Stonehenge to Shakespeare and beyond. Before you book your trip to Great Britain - perhaps to see Macbeth at The Globe - get your travel insurance sorted, so the only drama is on stage with the actors.
- Lost or delayed baggage cover
- Overseas medical insurance and cover for Coronavirus-related events
- Access to our Emergency Assistance Team around the clock
- Cover for activities and sports when in Great Britain
When planning a trip to the UK the most common issues international travelers face are lost or delayed luggage, or unexpected medical issues. And now you can add Coronavirus to the list. But never fear, follow our travel tips to get the most out of your cover and your holiday in the UK.
What should I look out for when traveling to Great Britain?
Lost, stolen or delayed baggage cover
It can throw a massive spanner in the works to arrive at Heathrow and find yourself alone at the baggage carousel, watching it go around waiting for your bags to appear. Petty theft is common across Europe, and you could also get your gear stolen on public transport or from your accommodation.
The good news is that all World Nomads policies offer some cover (up to the policy limits) for loss, theft or damage to baggage or personal items.
Keep in mind that 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.
What happens if…
- My bags are stolen or damaged: as soon as you’ve realized your bags have been stolen or damaged please report it to the relevant authority (carrier, tour operator, accommodation provider). In the case of a theft, you’ll also need to report it to the local police or relevant authority, as theft is a crime. Insurance won’t cover things such as losing bags or valuables that were left unattended; this includes if they were left unattended in a car (even if the car is locked). Remember to always keep originals or copies of your receipts if you need to make a claim.
- My bags are delayed: you may be covered if your bags were delayed. You’ll need to report the incident and get a Property Irregularity Report (or a similar official report) in writing and make a claim directly with the carrier first. You may be able to claim your expenses for any essentials you have to buy to keep you going until your bags are returned. You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider if you need to make a claim.
You may also need to take depreciation into account and some policies, depending on your Country of Residence and the plan you purchase, may also have an excess applicable to any claim made. Details on how depreciation works can be found in your policy.
Tips for keeping your luggage safe:
- Never leave your bags and valuables out of your sight and reach.
- Always carry your electronics and valuables with you and lock your gear up in a secure location when you can’t take it with you.
- Remember that if you buy anything, before or during your trip, to keep all receipts.
Overseas medical insurance and cover for Coronavirus-related events
When traveling to the UK, overseas medical insurance is a good idea in case of an accident or sudden illness. You don’t want to be left out of pocket if you have to visit a local doctor, go to hospital, need an urgent trip to the dentist, or even worse, have to be repatriated back to your Country of Residence. All our policies include some level of overseas medical cover, so you can focus on your recovery if you fall ill or have an accident on your travels.
Tips for travel in the UK and Covid-19:
- It’s always a good idea to wear a face mask when visiting any of the UK’s popular hotspots, even in open-air places such as Stonehenge, London’s parks and palace grounds, or when strolling through the bustling streets of Edinburgh.
- The level of cover you’ll have for any Coronavirus-related events under our Standard and Explorer plans will depend on your Country of Residence. Check out our Travel Insurance cover for Coronavirus article which goes into more detail on all the benefits, including benefit limits, terms and conditions, and exclusions.
Access to our 24/7 Emergency Assistance Team around the clock
Dealing with a medical emergency in a foreign country can be frightening and confusing, but you don’t have to go through it on your own. Our 24/7 Emergency Assistance Team can direct you to nearby appropriate care, talk to doctors, and set up direct payments to the medical facility if needed. If your situation is life-threatening, seek medical help immediately and let us know when you can so we can help with medical assistance and keeping your friends and family informed.
Cover for activities and sports when in Great Britain
If you’re looking to get your adrenaline levels up by going hiking in Snowdonia, or camping and mountain biking in the Scottish Highlands, World Nomads offers travel insurance cover for 150+ activities and sports.
Be sure check your policy wording when choosing any activities or sports as you may need to upgrade the policy and sporting level to ensure you’re covered for everything you plan to do. If you’re not sure whether an activity is covered, just contact us.
Are you looking for more travel inspiration for Great Britain? World Nomads has various articles that cover a range of fun topics on Great Britain or check out our articles if you need the latest safety travel alerts.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance – and it’s often cheaper than you might think! Featuring coverage for more than 150 activities, quotes are fast, free and you can do it all online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of 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 hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
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)
True Claims Stories
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...
World Nomads travel insurance has been designed by travellers for travellers, to help you explore your boundaries.
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Bitten by a shark.
I was surfing and was bitten by a shark in Tortuga Bay, Galapagos Is. I was able to walk to the medical center in nearby Puerto Ayora, where I received emergency medical treatment from Dr. Idrovo. The treatment consisted of cleaning the wound, local anesthetic and ten stitches. A course of antibiotics and anti-inflammatories/ pain-killers was prescribed. A follow of check 24 hours later (today) revealed no infection. I am able to provide photos of the injury and treatment.
S.C. British Nomad in the Galapagos Islands.
Vacation Rental Travel Insurance Coverage
Learn how US residents can protect their stays in vacation rentals around the world
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At a glance:
- All World Nomads plans cover losses resulting from trips where you stay in private vacation rentals, with some plans that offer higher limits of coverage.
- Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while staying in a vacation rental.
- Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
- Gear and baggage protection helps cover lost, stolen, or damaged gear and luggage.
- An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)
- Why should I consider travel insurance when staying in a vacation rental?
- Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
- What level of travel insurance coverage do I need if I’m staying in a vacation rental?
- What may not be covered when staying in a vacation rental on your trip?
- Top safety tips we recommend for staying at a vacation rental
- FAQs
Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the Caribbean and booking a beachside vacation rental on an island, or perhaps you would rather stay in a
treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes staying in a vacation rental, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for vacation rentals that may help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance when staying in a vacation rental?
Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation rental or if a hurricane keeps you from reaching your dream vacation home, travel insurance and non-insurance services designed for vacation rentals may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a way to travel confidently when you’re staying in a vacation rental.
Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?
Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we’ve designed coverage for losses resulting from stays in vacation rentals. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.
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Emergency Medical Expenses
For injuries that happen when staying in a vacation rental -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked
Terms, conditions, and limitations apply to all mentioned coverages. Get a quote and compare the plans to see which level of coverage is right for you.
All plans include travel insurance coverage for vacation rentals, as well as several additional non-insurance services that may support you both before and during your trip. These include delayed or lost baggage tracking and delivery, portable health records and pre-departure telehealth services.
What level of travel insurance coverage do I need if I’m staying in a vacation rental?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.
- Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while staying in a vacation rental. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
- Explorer Plan – This plan also includes vacation rentals, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
- Epic Plan – This plan covers everything the Explorer covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
- Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes travel insurance coverage for vacation rental trips, as well as all of the other activities covered in the Standard Plan.
NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not be covered when staying in a vacation rental on your trip?
If you leave the burner on and the kitchen catches on fire, your travel insurance coverage for vacation rentals won’t pay for those damages. It’s up to you to make sure you take care of the place while you’re there. Some other things that aren’t covered include:
- Unattended baggage, gear or personal items
- Furniture or any other items that are part of the vacation rental
- Alcohol and drug-related incidents and illegal activities
- Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
- Participation in activities not listed in our 250+ sports, activities and experiences
- Traveling or staying in a vacation rental within 100 miles of your home
- Pre-existing conditions. 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 and were medically able and not disabled from travel, based on the assessment of a physician, when you buy the plan. A definition of a pre-existing condition can be found in your plan document.
Top safety tips we recommend for staying at a vacation rental
- Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
- Read your rental agreement. Become familiar with anything the host has shared regarding locks, alarms, etc.
- Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t have one.
- Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
- Have emergency contact information for your host.
- Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip (costs may apply)
- Check with the Department of State to see if they have issued any travel advisories for your destination.
- Enroll in the free Smart Traveler Enrollment Program (STEP) to stay updated on emergency situations.
- Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for vaction rentals. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Can staying in a vacation rental be covered under World Nomads Travel Insurance?
Yes, where you stay in vacation rentals may be covered under all four plans offered by World Nomads Travel Insurance. If you want higher limits of coverage, you’ll want to consider the Explorer or Epic plan.
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What types of incidents may be covered while staying in a vacation rental on your trip?
If your trip is canceled or interrupted due to an unforeseen event, you may be able to recover your travel expenses (up to the maximum benefit amount), and this may include unused, pre-paid, non-refundable tours that you paid for in advance. If you get hurt when staying in a vacation rental and require medical assistance, emergency medical coverage may come in handy in the case of an unexpected injury. You may also be covered for unplanned situations such as lost bags.
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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 travel insurance coverage for vacation rentals online anytime, from anywhere in the world. 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 while staying at a vacation rental, you’ll need to purchase your plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for vacation rentals overseas?
Yes, some of the best vacation rentals are outside of the US and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Italy, you could have the opportunity to stay in a rustic villa in a vineyard. When you get a quote for a travel protection plan that includes travel insurance coverage for trips including vacation rentals, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while I’m at a vacation rental?
If you get hurt while staying in a vacation rental, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help cover the cost of medical treatment, hospital stays, or even emergency medical evacuation if needed (subject to approval.) Access to a 24/7 Non-Insurance Emergency Assistance team is also included for support anytime, anywhere when you purchase a travel protection plan that includes travel insurance coverage for trips that include vacation rentals.
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Does World Nomads cover other activities during my trip?
Yes, when you purchase travel insurance and non-insurance services when staying at vacation rentals, you could be covered for more than 250+ other sports, activities and experiences. Things like swimming, hiking and kayaking may all be covered. You can review the list of activities, but if you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and vacation rentals if your trip is cancelled for a covered reason. U.S. residents (except those that live in New York) also have the ability to add additional cancel for any reason coverage when certain World Nomads plans are purchased.
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What happens if my bags are delayed?
When you purchase a plan with travel insurance coverage for trips that have vacation rentals, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.
Need destination inspiration for cool vacation rentals around the world?
Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a few of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
The Caribbean: Bungalows on Royal Island
United States: A treehouse with free-roaming alpacas in Atlanta
Italy: A rustic villa on a vineyard
Costa Rica: A luxury pool home in the jungle
This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. Exclusion applies to Adventure or Extreme Activities.
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 team
