Scuba Diving Travel Insurance
Canadians can protect their scuba dives with travel insurance
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At a glance:
- World Nomads plans provide cover for recreational scuba diving and shark cage diving up to 30 metres, with the ability to pay an extra premium and be covered for scuba diving and cavern diving up to 40 metres, and working as a scuba diving instructor or guide
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving.
- Plans cover lost, stolen, or damaged diving gear and luggage.
- Access to emergency assistance anytime, anywhere.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance: What may be covered?
- What level of travel insurance coverage do I need for my scuba diving trip?
- What may not be covered when scuba diving?
- Top safety tips we recommend for your scuba diving trip
- FAQs
You’ve gotten your PADI certification and now you’re ready to explore beneath the ocean’s surface. From coral reefs in the Caribbean to shipwrecks in Europe, there’s no shortage of divine dive sites around the world. And while calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, accidents can still happen. Our travel insurance plans include a range of benefits for scuba diving that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my scuba diving trip?
A slip and fall on the dive boat, decompression sickness, jellyfish stings, and ear barotrauma are just some of the unexpected issues that could derail even the most carefully planned dive trip. Travel insurance coverage designed for scuba diving may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently – whether you're diving among the abundant marine life in the Florida Keys or alongside the Great Wall of China (yes, that’s possible!).
Scuba diving travel insurance: What may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while travelling. We also offer coverage for more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
Decompression sickness and cuts from coral while diving -
24/7 Emergency Assistance
Your first call in any emergency situation -
Baggage & Gear Coverage
Broken or damaged scuba diving gear (while transported via a common carrier, like a commercial airline) -
Trip Cancellation
Reimbursements if you’re too sick to go on your dive trip
Get a quote and compare the plans to see which level of coverage is right for you.
What level of travel insurance coverage do I need for my scuba diving trip?
World Nomads offers two plans for Canadian residents – the Standard and Explorer – each with different levels of coverage.
- The Standard plan includes travel insurance for recreational scuba diving and cavern diving up to 40 metres, as well as working as a scuba diving instructor or guide
- The Explorer plan also covers those activities but has higher limits of coverage.
When you purchase your policy, you’ll need to list scuba diving, and all of the other activities that you plan to participate in while on your trip. The main purpose of your trip may be diving, but you may also be doing other fun things like kayaking or sailing. There’s over 250 other sports, activities and experiences that may be covered. 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.
Recreational scuba diving and shark cage diving up to 30 metres are considered Level 1 activities and are automatically covered, but you’ll still need to list them when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like scuba diving or cavern diving up to 40 metres, and working as a scuba diving instructor or guide. If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
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 scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Dives that are deeper (over 40 metres) than your adventure travel insurance coverage allows
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Unattended baggage, sporting equipment or personal items
- Travelling within your home province
- Diving if your doctor has advised against it
- Commercial scuba diving
Top safety tips we recommend for your scuba diving trip
- Research your dive company: Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment.
- Don’t dive without proper certifications: Make sure you’ve gone through the proper coursework through PADI or NAUI based upon the type of dive you’ll be doing. If you don’t have the proper certification for your dive, you won’t be covered by your travel insurance for scuba diving.
- Check (and double check) your scuba gear before getting in the water: Make sure everything is working properly and if you’re unsure about anything, let your guide know.
- Don’t dive alone or swim off on your own: Even if you see something cool underwater, don’t go check it out alone – you and your dive buddy need to stay together. Always know where your guide and buddy are at all times.
- Keep an eye on your air gauge: Monitor this closely so you can plan your return to the surface accordingly. Always make sure you have enough air to complete your dive.
- Ascend slowly and safely: Coming back to the surface too quickly can cause serious problems. Make sure to do safety stops at the appropriate depths.
- Store a copy of your scuba diving travel insurance coverage in a dry bag: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Is scuba diving covered under World Nomads Travel Insurance?
Yes, World Nomads offers travel insurance coverage for scuba diving, but make sure you list this as an activity you’ll be participating in when you purchase your policy. Recreational scuba diving and shark cage diving up to 30 metres are considered Level 1 activities and are automatically covered, but will still need to be listed when you purchase your policy. However, you will need to pay an additional premium to be covered for Level 2 and Level 3 activities like scuba diving or cavern diving up to 40 metres and working as a scuba diving instructor or guide. If you are doing something else on your trip and aren’t sure if it’s covered, you should contact us to make sure.
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What types of incidents are covered while scuba diving abroad?
If your trip is cancelled, delayed, or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the policy limits), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and require medical assistance, emergency medical expense 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 get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads Travel Insurance offer coverage for scuba diving outside of Canada?
Yes, there are so many great places to scuba dive around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Australia, you could have the opportunity to dive the Great Barrier Reef or the SS Yongala, which is considered one of the best wreck dive sites in the world. When you get a quote for travel insurance for scuba diving, you’ll need to input where you’ll be traveling, and also list scuba diving as one of your activities.
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What should I do if I get hurt while scuba diving?
If you have travel insurance coverage for scuba diving and unexpectedly get hurt, you must contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They can also translate for you if you’re travelling outside of Canada and your medical team doesn’t speak French or English. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, with your adventure travel insurance benefits, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rocking climbing, and camping may all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. 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. 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 both plans offered by World Nomads, and you may be reimbursed for pre-paid, unused, non-refundable expenses like flights, scuba diving tours and accommodations if your dive trip is cancelled for a covered reason.
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What happens if my bags are delayed?
When you purchase travel insurance for diving, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for your next scuba diving trip?
Not sure where your next scuba diving adventure should take you? Check out some of our favorite places around the world to dive and get destination-specific travel insurance tips to help you plan with confidence.
Best Scuba Diving Spots on Australia’s East Coast
Into the Deep: Scuba Diving the Great Wall of China
Trinidad & Tobago Discoveries: Caribbean Scuba Diving
Scuba Diving in Cuba: The 6 Best Dive Sites
Best Scuba Diving in Japan: 5 of the Top Dive Sites
Scuba Diving in Colombia: Here’s Why It’s Perfect
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
- 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 teamHiking Travel Insurance Coverage
Trekking & High-Altitude Insurance Coverage for Canadians
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At a glance:
- World Nomads offers hiking and trekking travel insurance to help cover medical emergencies, gear loss, and trip cancellations.
- You can choose a plan and corresponding activity level based on your trek’s maximum elevation, with coverage available up to 6,000 metres.
- Our plans include emergency medical evacuation coverage if you get injured or sick while hiking in remote areas.
- We provide hiking gear protection if your equipment is stolen or accidentally damaged during your trip.
- If your trek is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.
- Why should you consider travel insurance coverage for your next hiking and trekking adventure?
- Hiking and trekking travel insurance coverage
- What benefits are covered with hiking travel insurance?
- What may not be covered?
- Top tips for your hiking adventure
- FAQs
Whether you’re trekking to Base Camp or hiking a Canadian mountain range you may want to protect your adventure with World Nomads Travel Insurance. Our travel insurance plans include a range of benefits that could help with everything from stolen bags to unexpected medical expenses.
Why should you consider travel insurance coverage for your next hiking and trekking adventure?
Hiking and trekking can take you off the beaten path—and far from help if things go sideways. From twisted ankles on remote trails to gear stolen from your rental car, unexpected issues can derail even the most carefully planned journey. Travel insurance designed for hikers and trekkers may help you bounce back quickly with support for emergencies, delays, and disruptions. With coverage that is flexible to your route and altitude level, it’s a smart way to explore confidently—whether you're heading to Patagonia, peaks in Asia, or your local national park.
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.
Hiking and trekking travel insurance
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Standard & Explorer Plans
Hiking and trekking trips covered up to 3,000 metres -
Optional Extra
Hiking and trekking trips covered up to 6,000 metres
Plus, our plans include coverage for 250+ other activities you might do along the way, so you can explore confidently, wherever your backpack leads you. Get a quote and compare the plans to see which level of coverage is right for you.
What benefits are covered with hiking travel insurance?
World Nomads offers coverage (up to the plan maximum benefit amount) for:
- Emergency medical expenses:if you fall and get hurt while hiking, you may need medical help. Our emergency medical coverage for illness or injury may provide reimbursement for the treatment you need.
- Emergency medical evacuation and repatriation: If your injuries are severe, acute, or life-threatening our plans may cover emergency medical evacuation and transportation to a medical facility best suited for your care, subject to approval from the 24/7 Emergency Assistance Team.
- Baggage and personal effects protection: Our gear coverage may help with reimbursement of the cost to repair or replace damaged, lost or stolen items, including airline checked bags.
- Trip cancellation: if you need to cancel your trip due to a covered reason such as an unexpected illness, we may be able to reimburse your pre-paid, unused, non-refundable expenses like flights, tours and accommodations.
What may not be covered?
- Any alcohol related sickness, death or injury or the abuse of medication, drugs, alcohol or any other toxic substance.
- Travel within your home province
- Unattended baggage, sporting equipment or personal items.
- Wear and tear from everyday use of sporting equipment. Gear that is in use is not covered.
- Hiking or trekking over 6,000 metres.
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Get a hiking 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
Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: we recommend that you check the weather, check your equipment, and if you’re going guided, confirm that you’re using an accredited tour operator.
- Stay healthy: hiking requires a certain amount of strength and stamina, and in some cases (like the Inca Trail or trekking in Nepal), the ability to handle altitude. It’s best to be sure you are physically capable of it. Consider asking a doctor before you leave about altitude medication or other helpful prescriptions you can take with you.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases and a loss or theft report. Keep these with you in printed or digital form if you need to make a claim.
FAQ
Here are our most frequently asked questions about cover for hiking. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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What is the difference between hiking, trekking and mountaineering for travel insurance purposes?
The terms ‘hiking’ and ‘trekking’ are usually interchangeable when it comes to travel insurance benefits. Mountaineering, on the other hand, often includes technical climbing or high-altitude ascents that may require ropes or specialized gear. Each activity carries different risks, so travel insurance plans like those from World Nomads offer varying levels of coverage depending on the elevation, difficulty, and whether technical skills or equipment are involved. Check out our (lengthy) list of covered adventure activities to help you determine the plan right for you.
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Why should I consider travel insurance coverage for hiking and trekking?
Hiking and trekking adventures vary in intensity—and elevation. That’s why World Nomads offers two different plans, each with the opportunity to add additional activity coverage for higher risk activities. With elevation-based options, you can choose a plan that fits your route, your style, and your ambition.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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When should I purchase travel insurance if I’m planning an adventure?
Many travellers choose to buy travel insurance soon after booking to access pre-trip benefits like Trip Cancellation coverage, which may reimburse your prepaid, non-refundable trip costs if you cancel for a covered reason (like unexpected sickness or injury). Planning ahead means more protection. However, if you’re already on your trip, you can still purchase travel insurance (certain waiting periods may apply).
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Would hiking gear and equipment be covered?
Yes, hiking gear and equipment may be covered under the baggage and personal effects benefit of our plans if it's lost, stolen, or accidentally damaged during your trip. Maximum benefit amounts and conditions vary by plan, so be sure to review your chosen plan documents —especially if you're carrying high-value items like trekking poles, boots, or GPS devices. Note: coverage does not include wear and tear or gear damaged during use. Additional terms and conditions apply.
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Am I eligible to purchase travel insurance from World Nomads?
To be eligible for coverage under this policy you must:
- agree that Canada is your country of residence at the time tour policy is purchased and for the full duration of your trip;
- be less than 66 years of age at the time your policy purchase date; and
- be travelling for a maximum of 365 days.
To be eligible for trip cancellation coverage you must:
- purchase this policy prior to your start date; and
- have purchased your policy not more than 18 months prior to your start date.
To be eligible for all other coverage under this policy, you must be covered under Your GHIP for the full duration of your policy to be eligible for the maximum emergency medical benefits. If you do not have GHIP coverage while on your trip, your aggregate limit for all emergency medical benefits will be limited to $40,000 CAD for the full duration of your trip.
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Does my plan include emergency evacuation coverage?
Yes, our travel insurance coverage includes emergency medical evacuation if you’re seriously injured or become unexpectedly ill while hiking or trekking. If you're in a remote area and need transport to the nearest adequate medical facility, the Emergency Evacuation and Repatriation of Remains benefit may help cover the cost—which can easily run into the hundreds of thousands of dollars. Medical evacuation must be deemed medically necessary by the attending physician and approved by the 24/7 Emergency Assistance team. Always check your plan’s elevation limits and covered activities to make sure you're protected for your specific adventure.
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Is there a maximum altitude limit for travel insurance coverage with World Nomads?
Yes, there are two different altitude maximums.
- Elevation coverage by plan:
- Standard Plan – up to 3,000 metres
- Explorer Plan – up to 3,000 metres
- Additional activity level coverage – bumps up the coverage to 6,000 metres (additional cost involved)
- Elevation coverage by plan:
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Do I need travel insurance coverage for multi-day hiking trips?
Yes, you must purchase your travel insurance plan to cover the full duration of your trip outside of your home province.
Need destination inspiration?
Not sure where your next hiking adventure should take you? Check out some of our favorite trails around the world and get destination-specific travel insurance tips to help you plan with confidence.
High-altitude hiking: prepare and train
Travel insurance coverage for Asia
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.
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 teamGet a Travel Insurance quote
Simple and Flexible Travel Insurance. Buy at home or while traveling, and claim online from anywhere in the world.
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How do I get a travel insurance quote?
Travel Insurance for Vacations
Stay protected on your vacation with flexible travel insurance plans from World Nomads.
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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.
Whether you’re heading off to bask in Bali or snowboard in Whistler, you want to think about all the fun you’ll be having, not the things that can go wrong on your vacation. But mishaps can and do happen. World Nomads travel insurance* is designed to cover your trip essentials and help you travel smarter and safer.
What's covered in the vacation travel insurance plan?
Our Single Trip and Annual Travel Insurance Plans for US travelers cover you for emergency medical, evacuation, cancellation, and baggage, as well as over 250 adventure activities (depending on your level of coverage).
World Nomads travel insurance also:
- Makes it easy to buy and claim online even if you’re traveling
- Let's you buy more travel insurance if you choose to keep traveling
- Provides 24/7 emergency assistance
Planning a vacation?
Don't forget to pack World Nomads travel insurance for your next trip. Whether you're headed off for just a few days of respite, or taking an epic around-the-world adventure, World Nomads will be with you every step of the way with:
- 24/7 emergency services
- Medical coverage
- Gear coverage
- Trip cancellation
- And more...
*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.
FAQ
Here are our most frequently asked questions about our travel insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Can I buy a travel insurance policy if I'm already on vacation?
Yes, you can be traveling anywhere in the world and still buy a plan. You can purchase it for any duration you choose (from 1 day up to 180 days for single trip plans; up to 45 days per trip for the Annual Plan). Check the plan wording for details on when coverage begins and ends.
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If the airlines lose my gear, am I covered?
Yes, World Nomads travel insurance provides coverage for lost or stolen baggage. Exclusions apply. For more details click here.
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What is covered if I need to cancel my vacation?
There's coverage in our single trip plans for Trip Cancellation due to a covered reason. These reasons can include things like sickness or a natural disaster. However, if you want to be extra safe or are planning to spend a lot of money on your trip, you may want to consider the add-on “cancel for any reason” coverage. This is available on Explorer or Epic plans only and must be purchased during the time sensitive period.
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What if I get sick while on my vacation?
If you’re injured or get sick while you’re traveling, and you’ve bought the plan for the activities you’re doing, you may be covered for: hospitalization; out-patient treatment for medical emergencies; prescribed medicines, X-rays, and laboratory tests; and being brought home, if medically necessary and approved by the 24/7 Emergency Assistance Team.
A True Claims Story
I went to the hospital because I felt a fever and upon further testing they found it to be dengue fever. They also found an infection in my liver, which made the process of getting better take longer than usual. I stayed in the hospital for 8 days before I was discharged.
U.S. resident in Thailand
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 you’re 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
- Banged up abroad?
- Need to get to hospital urgently?
- Need an ambulance?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro 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)
We cover 200 activities you love + more
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 Coverage for Student Trips
US Residents can protect their student trips with travel insurance benefits
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At a glance
- World Nomads Travel Insurance plans may help cover emergency medical costs, trip interruptions, and lost baggage so students can focus on learning, not logistics.
- Flexible coverage for study abroad, gap years, volunteering, and independent travel, including over 250 adventure activities.
- Buy, extend, or claim online - even while you’re already overseas.
- What can travel protection for student trips cover?
- Travel insurance benefits for student rips
- What may not be included
- Maximum trip lengths per plan
- How to use your travel protection coverage for student trips abroad
- Top safety tips we recommend for your student trip
- FAQs
Every year, more than 300,000 U.S. students study, intern, or volunteer abroad for academic credit — and another 40,000 to 60,000 take a gap year to explore the world before or after college. Whether you’re earning credits overseas, teaching English, or backpacking through a new country, travel doesn’t always go according to plan. Lost luggage, sudden illness, or an accident on a weekend trip can quickly turn your adventure into a stressful situation. With a World Nomads Travel Insurance plan, students may explore with confidence knowing they’re protected for those “just in case” moments.
What can travel protection for student trips cover?
Many students discover that their health insurance back home doesn’t extend overseas — which can make even basic medical care expensive. Travel protection coverage for students may help cover unexpected medical costs if you get sick or injured abroad, from food poisoning to emergency evacuation. It may also offer coverage for trip interruptions, lost belongings, or travel delays — so you can focus on your studies (or your next adventure), not surprise expenses.
Travel insurance benefits for student trips
What may not be included
- Routine Healthcare (non-emergency)
- Care or treatment that is payable under any other insurance plan
- Any reckless or illegal behavior, including being under the influence of drugs or alcohol
- Travel within 100 miles of your primary residence
Maximum trip lengths per plan
|
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 |
Who can be eligible for a travel insurance plan for student trips?
- Any US resident, under the age of 69 years old.
- If several students from the same family are traveling together, a protection plan for family trips may be worth considering. Up to 7 dependent children (see plan document for definition) can be included on one travel protection plan.
How to use your travel protection coverage for student trips abroad
- Print out or save your plan document in an easy to find place
- If you get hurt or sick while on vacation, contact local authorities as soon as you’re able to do so for immediate attention. If you are currently experiencing an emergency while on your trip, contact our 24/7 non-insurance Emergency Assistance Team at your earliest opportunity. They can direct you to an appropriate medical facility if you are sick or injured, or assist you with rebooking if you are stuck at the airport, plus much more! Be sure to have your plan number handy so they can find your information easily.
- Stay in touch! As the unexpected situation develops, keep our team informed so they can continue to assist you.
- Save all paperwork (digital or otherwise) relating to your situation. This includes receipts, boarding documents, doctor’s notes, billing details, etc. If your airline was delayed, you will need itemized receipts for additional expenses incurred and the reason if you were delayed. Attempt to obtain a statement from the airline indicating why the flight was delayed. The more information you have with dates and payments made, the easier your claim will be to file later.
- File a claim, as soon as possible.
Top safety tips we recommend for your student trip
Keep copies of important documents: Store photos of your passport, student ID, and travel insurance in secure cloud storage in case your bag or wallet goes missing.
Know the local emergency numbers: 911 doesn’t work everywhere. Save the local police, ambulance, and embassy contacts before you go.
Stay alert in shared spaces: Student housing and hostels can attract petty theft — use locks and keep valuables out of sight.
Respect local laws and customs: Even minor infractions can have serious consequences abroad. Learn basic local etiquette and avoid political demonstrations.
Practice safe nightlife habits: Go out with friends you trust, keep an eye on your drink, and plan how you’ll get home safely — especially in unfamiliar cities.
Need destination inspiration for your next student trip?
Not sure where you should go for your study abroad or gap year? Some of our best memories came from the time we spent overseas. While the research may seem daunting, trust us – it’s worth it! Here are some sites to get your started:
20251114-4962376. 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.FAQ
Here are our most frequently asked questions about cover for student travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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What is travel protection for student trips?
Our Travel Protection plans for student trips are designed to help protect students while studying, interning, volunteering, or traveling abroad. A World Nomads plan may provide coverage for overseas medical emergencies, trip cancellations, lost baggage, and more — helping you travel with confidence while focusing on your studies or adventures.
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Why should I purchase a travel protection plan for studying abroad?
U.S. health insurance plans may not cover you outside the country, which can make medical care abroad expensive. World Nomads Travel Insurance offers plans for student trips that may help reimburse costs for hospitalization, prescriptions, and emergency evacuation — plus offer support if your trip is interrupted or your belongings are lost.
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Does World Nomads cover student gap year travel?
Yes. Whether you’re taking a semester off to explore or joining a structured gap year program, World Nomads offers flexible coverage for independent travelers. Plans may include benefits for medical emergencies, trip disruptions, and adventure activities, depending on your plan purchased. Keep in mind though that the Standard, Explorer and Epic plans all have a 180-day trip maximum and the Annual Plan has a 45-day per trip maximum. Give us a call if you have any questions.
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Can I purchase a plan for student travel after I’ve already started my trip?
Yes. If your vacation has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel insurance coverage and non-insurance services online anytime, from anywhere in the world. World Nomads Travel Protection Plans 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 vacation, you’ll need to purchase your plan at least the day before you need coverage.
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What activities are covered by World Nomads Travel Insurance for student trips?
World Nomads is known for covering more than 250 adventure activities — from hiking and scuba diving to volunteering and skiing. Check your plan details to confirm which activities may be covered before you go.
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How long can a travel protection plan for student trips last?
With World Nomads, you can choose a plan that fits the length of your trip — from a few weeks to up to 180 days for a single trip. If your study program or gap year extends, you can buy a new plan to stay covered. Pre-existing conditions are excluded from our plans. 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.
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Do travel insurance plans for student trips cover trip cancellation or interruptions?
World Nomads may provide coverage for trip cancellations and trip interruptions caused by covered events like illness, injury, or severe weather — giving you some financial protection if your plans change unexpectedly.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance for Extended Trips
Flexible Coverage for U.S. Travelers Abroad
- As featured in:
As featured in:
At a glance
- Flexible protection for long trips up to 180 days and an Annual Plan option for multiple shorter getaways.
- Coverage may include emergency medical care, trip cancellation and interruption, lost bags, and 24/7 worldwide non-insurance emergency assistance.
- Built for adventurous travelers, with coverage for 250+ activities from hiking and diving to skiing.
- Optional Cancel for Any Reason add-on to help protect you if plans change (not available in NY, additional terms and cost apply).
- What ‘Long-Term Travel Protection’ really means for your trip
- What's included
- What’s excluded
- Trip length maximums
- What if I don’t know how long I want to travel for?
- FAQs
Planning an extended trip with no set return date? World Nomads offers flexible long-term travel insurance coverage designed for adventurous U.S. residents exploring the world. Whether you’re traveling for several weeks or up to 180 days on a single trip, our plans may help protect you along the way — even if your journey includes adventure activities like hiking, diving, or skiing. Prefer to take multiple shorter getaways? Our Annual Plan may cover several trips per year, with each lasting up to 45 days.
What ‘Long-Term Travel Protection’ Really Means for Your Trip
Our plans offer a variety of benefits suited for all types of travelers, from digital nomads to students on a study abroad program to families taking long holidays overseas. Whether you’re going on a long trip or a short trip, our travel protection plans may include:
Benefits of long-term coverage
Exclusions
- Non-emergency treatment that can wait until you get home
- Travel within 100 miles from your primary residence
- Any reckless or illegal behavior, including being under the influence of alcohol or drugs
- Pre-existing conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
Trip Length Maximums
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| 180 days Get a quote |
180 days Get a quote |
180 days Get a quote |
45 days per trip Get a quote |
What if I don’t know how long I want to travel for?
If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options that may ensure you’re covered while you’re away:
- Purchase a new plan: If your plan has expired, you may be able to purchase a new one while you’re still traveling. Just note your coverage takes effect at 12:01 a.m. local time the day after you purchase your plan and will not cover any events that happened prior to the new plan’s start date. Your plan document will have full details to understand what’s covered, limits and exclusions.
- Consider the optional “Cancel for Any Reason” benefit: It’s unfortunate, but it happens: You plan a big trip months in advance, only to have something come up that is now stopping you from going. The trip cancellation benefit may help recover your travel expenses (up to the maximum benefit amount), and may include unused, pre-paid, non-refundable travel arrangements you paid for in advance, but a certain qualifying event would have to happen (sickness, natural disaster, etc.) But what if your dog is sick or you break up with your partner or you get a new job? Instead of losing all the money you put down, consider adding on the “cancel for any reason” benefit to your Explorer or Epic travel protection plan during the time-sensitive period to protect those long trips (and big investments!). Not available in NY, additional cost and terms apply.
FAQ
Here are our most frequently asked questions about cover for long-term insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy travel a travel protection plan for long term travel after I’ve already started my trip?
Yes. If your long term vacation has already started, World Nomads can still offer you coverage. You can buy a plan that includes travel protection coverage online anytime, from anywhere in the world. World Nomads Travel Protection for U.S. residents take effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage while on your long term vacation, you’ll need to purchase your plan at least the day before you need coverage.
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How long can I travel with a World Nomads travel protection plan for long trips?
U.S. residents may be covered for trips lasting up to 180 days under a single-trip plan. If you plan to travel longer, you may be able to buy another plan once the first one ends, provided you still meet eligibility requirements. An Annual Plan has a maximum of 45 days per trip.
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What do travel protection plans typically cover when it comes to long term trips?
Coverage may include emergency medical expenses, evacuation, trip interruption, baggage protection, and 24/7 non-insurance emergency assistance. Each claim is assessed individually, so review your plan document to understand what may be covered based on your trip activities and destination.
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Is long-term travel protection the same as expat or international health insurance?
No. Travel protection plans are designed for travelers on extended trips who still consider the United States their primary residence. Expat or international health insurance is for those relocating abroad permanently or for long stays. If you’re unsure which suits you, check your travel plans and duration before purchasing.
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Can I extend my travel protection plan if I decide to stay abroad longer?
You may be able to extend or purchase a new plan while traveling, depending on your eligibility and how long you’ve been away. Extensions must usually be made before your plan expires — always review your plan terms or contact World Nomads for assistance before your coverage end date.
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What kinds of travelers could benefit from long term travel insurance coverage?
Travel insurance coverage for long trips is ideal for digital nomads, gap-year students, retirees exploring the world, and anyone taking an extended overseas adventure. It may help protect you against unexpected medical emergencies, trip interruptions, or lost belongings during longer journeys.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
What is the Best Travel Insurance?
Bundled plans for every traveler: emergency medical, baggage, and adventure activities.
- 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 is the best travel insurance?
We believe the best travel insurance* is the kind that allows you to travel overseas knowing you’re properly covered for your adventure… at the best price.
At World Nomads, we’re travelers too and we know that while some travelers buy insurance to cover them when things go wrong, they’d rather be enjoying a Bellini at Harry’s Bar in Venice or upgrading their room in Bangkok to include air conditioning.
That’s why we’ve designed our travel insurance based on what our travelers said they wanted… flexible online travel insurance that covers you for what you need, when you need it.
What's included in travel insurance?
World Nomads policies include coverage, up to the policy limits, for:
- Emergency Medical
- Delayed, lost, stolen or damaged baggage
- Trip cancellation
- Emergency evacuation and repatriation
- 250 adventure activities
- 24/7 Worldwide Emergency Assistance
- Cancel-for-any-reason coverage (at an additional cost, only available in some plans)
When you get a quote, be sure to download and read the full plan wording so you know what you're covered for.
World Nomads travel insurance also:
- Makes it easy to buy and claim online, even if you’re traveling.
- Lets you buy a plan, even after you’ve left home.
- Provides free access to travel safety advice for your next adventure.
- Offers coverage for a wide variety of adventure activities – more than 250 for U.S. residents.
- Gives you 24/7 emergency assistance.
What travel insurance plan is best for you?
We know that no two travelers are alike. Our nomads range from gap year students and backpackers to long-term travelers, retirees, and families. We offer four plans – Standard, Explorer, Epic or Annual – you can choose the level of coverage that is right for you. These plans cover different activities and offer different levels of coverage and limits, so review the plans carefully. You can also download and read the full plan wording before you buy. You can’t upgrade your coverage after you purchase a plan, so it’s important to get this right on the first go.
World Nomads plans offer coverage for up to 180 days at a time with the Standard, Explorer, and Epic plans. And if you plan to take numerous trips during the year, then the Annual Plan could be best for you. It has a maximum trip length of 45 days.
*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.
A True Claims Story
I went to the hospital because I felt a fever and upon further testing they found it to be dengue fever. They also found an infection in my liver, which made the process of getting better take longer than usual. I stayed in the hospital for 8 days before I was discharged.
U.S. resident in Thailand
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
- Come to a sticky end?
- Called to jury duty?
- 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 drugs?
- 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?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
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)
We cover 200 activities you love + more
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 teamScuba Diving Travel Insurance Coverage
US Residents can protect their adventures under the water with travel insurance
- As featured in:
As featured in:
At a glance:
- All World Nomads plans cover scuba diving up to 165 feet/50 meters
- Higher-tier plans offer coverage for more adventurous dives, including shark cage diving and free diving
- Coverage for injuries and medical transport if you're seriously hurt while scuba diving, including the use of compression chambers if needed.
- Transportation if your condition is severe, acute or life threatening and adequate medical treatment is not available in your immediate area. Additional terms apply.
- Reimbursement for canceled scuba diving tours, delays, or interruptions due to covered events.
- Why should I consider travel insurance for my scuba diving trip?
- Scuba diving travel insurance benefits
- Plan levels for scuba diving trips
- What's not covered
- Top safety tips we recommend for your scuba diving trip
- FAQs
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.
You’ve gotten your PADI certification and now you’re ready to explore beneath the ocean’s surface. From coral reefs in the Caribbean to shipwrecks in Australia, there’s no shortage of divine dive sites around the world. And while calm waters, crystal clear visibility, and a bulletproof dive plan might make for the perfect underwater adventure, accidents can still happen. Our travel protection plans include a range of adventure travel insurance benefits that may help with everything from stolen bags to unexpected medical expenses.
Why should I consider travel insurance for my scuba diving trip?
A slip and fall on the dive boat, decompression sickness, jellyfish stings, and ear barotrauma are just some of the unexpected issues that could derail even the most carefully planned dive trip. Travel insurance and non-insurance services designed for scuba diving 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 – whether you're diving among the abundant marine life in the Florida Keys or alongside the Great Wall of China (yes, that’s possible!).
Scuba diving travel insurance and non-insurance services for scuba diving: What may be covered?
As divers ourselves, we’ve designed our plans to cover scuba diving while traveling. We also offer coverage for losses related to more than 250 other sports, activities and experiences.
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Emergency Medical Expenses
For decompression sickness and cuts from coral when scuba diving -
24/7 Non-insurance Emergency Assistance
Available 24/7 to assist in an emergency situation, on or off the water -
Baggage & Gear Coverage
Damaged or stolen diving gear, or lost luggage on the way to you diving destination -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather throws a wrench into your plans.
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 also include 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 for my scuba diving trip?
World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. Even if your main goal is to go scuba diving, you’ll probably be doing other fun things like sailing or kayaking. That’s totally fine, because you could be covered for more than 250 other sports, activities and experiences.
- The Standard and Annual plans cover scuba diving up to 165 feet/50 meters.
- The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 196 feet/60 meters and has higher limits of coverage.
- The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest benefit limits of coverage.
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 quoteWhat may not be covered when scuba diving?
- Scuba diving under the influence of drugs or alcohol
- Unattended baggage, sporting equipment or personal items
- Scuba diving or traveling within 100 miles of your home
- Scuba diving without the proper certification (like PADI or NAUI), unless it is a discovery course with an instructor
- Diving if your doctor has advised against it
- Dives that are deeper than your adventure travel insurance coverage allow
Top safety tips we recommend for your scuba diving trip
- Research your dive company: Only dive with reputable companies using licensed, seaworthy boats and well-maintained dive equipment.
- Don’t dive without proper certifications: Make sure you’ve gone through the proper coursework through PADI or NAUI based upon the type of dive you’ll be doing. If you don’t have the proper certification for your dive, you may not be covered by your travel insurance plan.
- Check (and double check) your scuba gear before getting in the water: Make sure everything is working properly and if you’re unsure about anything, let your guide know.
- Don’t dive alone or swim off on your own: Even if you see something cool underwater, don’t go check it out alone – you and your dive buddy need to stay together. Always know where your guide and buddy are at all times.
- Keep an eye on your air gauge: Monitor this closely so you can plan your return to the surface accordingly. Always make sure you have enough air to complete your dive.
- Ascend slowly and safely: Coming back to the surface too quickly can cause serious problems. Make sure to do safety stops at the appropriate depths.
- Get a good dry bag to hold a copy of the documents showing your scuba diving travel insurance and non-insurance services: If an accident happens, you’ll want that handy – and dry. Make sure you have the phone number for the 24/7 Non-Insurance Emergency Assistance Team easily accessible, as well as your policy number. You may want to save that in your phone as well.
FAQ
Here are our most frequently asked questions about cover for scuba diving. 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 scuba diving be covered by World Nomads Travel Insurance?
Yes, scuba diving may be covered under all four plans offered by World Nomads Travel Insurance. The Standard and Annual plans include non-insurance services and travel insurance coverage for scuba diving up to 165 feet/50 meters. The Explorer plan covers more activities, including shark cage diving, cave diving, and serving as a scuba diving instructor or guide up to 165 feet/50 meters. It also includes free diving up to 60 meters and has higher limits of coverage. The Epic plan covers everything the Explorer plan covers, plus even more activities – including cave diving up to 196 feet/60 meters and commercial scuba diving up to 165 feet/50 meters. It also has the highest limits of coverage.
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What types of unexpected incidents may be covered while scuba diving abroad?
If your trip is cancelled or interrupted due to an unforeseen, covered event, you may be able to recover your travel expenses (up to the coverage maximum benefit amount), and this may include unused, pre-paid, non-refundable dive trips that you paid for in advance. If you get decompression sickness and you require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. With your adventure travel insurance benefits, 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 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 for a scuba diving excursion, you’ll need to buy your insurance plan at least the day before you need coverage.
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Does World Nomads Travel Insurance offer coverage for scuba diving outside of the United States?
Yes, there are so many great places to scuba dive around the world, and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Australia, you could have the opportunity to dive the Great Barrier Reef or the SS Yongala, which is considered one of the best wreck dives in the world. When you get a quote for scuba diving travel insurance and non-insurance services, you’ll need to input where you’ll be traveling.
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What should I do if I get hurt while scuba diving?
If you’re hurt while scuba diving, contact local authorities as soon as you’re able to do so for immediate attention. World Nomads Travel Insurance may help reimburse 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.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, when you purchase scuba diving travel insurance and non-insurance services, you may be covered for more than 250 other sports, activities and experiences. Things like hiking, biking, rock climbing, and camping 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 my dive 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, diving tours, and accommodations 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 optional 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 adventure travel insurance coverage and non-insurance services, baggage coverage is also included. If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan may reimburse you for essential, reasonable items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance services that can help track down your bag and get it delivered to you.
Need destination inspiration for your next scuba diving trip?
Not sure where your next scuba diving adventure should take you? Check out some of our favorite places around the world to dive and get destination-specific travel insurance tips to help you plan with confidence.
Best Scuba Diving Spots on Australia’s East Coast
Into the Deep: Scuba Diving the Great Wall of China
Trinidad & Tobago Discoveries: Caribbean Scuba Diving
Scuba Diving in Cuba: The 6 Best Dive Sites
20250730-4701483. 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 teamTravel Insurance coverage for Family Trips
Bringing the kids? Cover them all with one travel protection plan
- As featured in:
As featured in:
At a glance
- World Nomads travel protection may cover up to seven dependent children on a single plan when U.S. residents from the same state travel together.
- Family coverage may help with emergency medical expenses, medical evacuation, trip cancellation or interruption, and baggage protection.
- Plans include coverage for more than 250 activities, giving families flexibility to explore together.
- Standard, Explorer, and Epic plans offer different benefit levels, and children are covered up to the same per-person limits as adults.
- Why should I get travel protection for my family trip?
- How can World Nomads Travel Insurance cover me and my family?
- Coverages for Family Trips
- What may not be covered?
- Are dependents covered up to the same plan limits?
- Who can be covered under one travel protection plan for a family trip?
- Top safety tips we recommend for your family trip
- FAQs
Taking the children along this time? We love seeing young travelers discover the world. With World Nomads, you may be able to cover up to seven of your children—if you’re adventurous enough to bring them all!
Why should I get travel protection for my family trip?
Traveling with children is full of adventure—and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Travel insurance coverage for families may help you manage those unexpected moments and keep your trip on track.
Travel insurance for your family trip may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.
What happens if a parent or caregiver becomes ill or injured while on a trip with the children? World Nomads Travel Insurance plans for families may cover the transport of your minor children back home—accompanied by an attendant if necessary—if an insured adult is hospitalized for at least seven days or passes away during the trip.
With travel protection available for children and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned.
*Offerings may vary based on plan purchased and state of residence. Full terms of the plan apply.
How can World Nomads Travel Insurance cover me and my family?
World Nomads offers simple and flexible travel protection plans, designed for travelers by travelers, to help you travel confidently on your next family vacation. Our four plans each offer differing levels of coverage, so it’s important you compare plans and pick the best one for your family trip. Subject to terms and conditions, most of our plans offer coverage for:
What may not be covered?
- 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.
- Participation in activities not listed in our 250+ sports, activities and experiences
Are dependents covered up to the same plan limits?
Yes! The maximum benefit amount shown on the plan is the maximum amount payable per person (including children) based on the Standard, Explorer or Epic plan selected.
Who can be covered under one travel protection plan for a family trip?
When you buy a travel protection plan for family trips, coverage may extend to:
- Parents or legal guardians traveling with their dependent children (see plan document for definition).
- Families who live in the same U.S. state and are S. residents.
- Trips where at least one adult is the legal guardian of the dependent children.
- Up to seven dependent children included on one travel protection plan.
If your children don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be traveling with you on the plan to help ensure coverage for your whole family.
Top safety tips we recommend for your family trip
- Have a “Who to Contact First” Plan: Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and policy number. Keep it on paper and in your mobile in case batteries run low.
- Set a Family Meeting Point: For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated. Make it precise, like “Under the main departures board,” not “near security.”
- Share Live Location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc to keep track of everyone family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a cellphone, consider putting an AirTag on their shoe or backpack.
- Split Important Cards and Cash: Don’t keep all bank cards, cash, and passports in the same bag. Each adult (or responsible teen) carries one payment card and a copy of ID.
- Create Digital Backups of Documents Like: your passports, visas, travel insurance details, prescriptions, etc. Save them in a password-protected cloud folder and on a small USB.
- Check with the US 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.
Need destination inspiration for your next family trip?
Few experiences shape a child’s mind like traveling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey:
Switzerland Affordable Winter Adventures
20251118-4994389.FAQ
Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Can I buy an Annual Plan for my family?
No, the Annual Plan is only available per person. You can buy an Annual Plan for each family member separately.
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What may be covered if we need to cancel our family 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 other travel arrangements 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. Cost and terms apply.
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What if one of the family gets sick while traveling?
If you get hurt or sick while vacation, 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.
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 team