Buy Travel Insurance Away from Home.
Get covered by World Nomads, even if you're already on the road.
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If you’ve left home without travel insurance or your policy has run out and you’re still on the road, World Nomads has got you covered. With World Nomads, you can buy a policy online, anytime, from anywhere in the world.
We know it’s easy to forget to buy travel insurance. That’s why we’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while traveling. If you forgot to buy a policy before you started your trip, are outside your home country without insurance, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy while traveling, waiting periods, conditions and restrictions on cover do apply. This means you may have to wait up to 72 hours for full cover to apply and certain benefits (like pre-trip cancellation) may not apply as you’ve already left your home country.
Your policy wording will have full details to understand the cover, limits and exclusions.
- Buy while traveling
- Get cover 24/7 online
- Instant confirmation
- Ongoing traveler support
- 24/7 Emergency Assistance
Waiting periods apply
Malaria at Christmas.
In the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
A. G. Brazilian Nomad in Zambia.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamGet 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
Travel Insurance for Pregnancy
Learn what is and isn't covered by travel insurance if you're pregnant.
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What’s covered if I’m (or someone else is) pregnant?
For Canadians, World Nomads Travel Insurance covers sudden and unexpected pregnancy complications, accidental injuries or sudden illnesses for expectant mothers in the first 31 weeks of your pregnancy.
Pre-trip cancellation before you leave home
Non-refundable expenses if you’re unfit to travel (as certified by a doctor) or your travel companion or immediate family member is seriously injured or suddenly and unexpectedly sick and you must cancel your trip. unable to travel for medical reasons.
Emergency medical expenses while outside your home province
- Emergency medical treatment
- Hospitalization
- Ambulance transport
- Transport to get you home for ongoing treatment (if medically required)
- 24/7 emergency assistance
What’s not covered for pregnancies
- Routine pre-natal care or checkups e.g. ultrasounds and blood tests
- Childbirth
- Any pregnancy-related medical issues within nine weeks before or any time after the expected due date (31 weeks or more)
- Any pre-existing conditions
- Fertility treatments
- Expenses in your home province
- If you simply change your mind to travel
This is not a full list of what's covered and what's not covered. For more information, check out our article on pregnancy and read your plan carefully for the complete description of the benefits, terms, conditions, limitations and exclusions of your insurance coverage.
Give back when you travel
When you buy a World Nomads policy, you can support vital community development projects worldwide including maternal health and education projects with a micro-donation to the Footprints Network.
How to get emergency assistance
It’s essential that you get in contact with our Emergency Assistance team as soon as possible so that you can get support.
Please be ready with the following:
- Your policy number
- A contact number where you can be reached
- The nature of your problem
- Your location
Unable to travel in the first trimester
I unexpectedly became pregnant towards the end of November. I was planning on still going on the trip until my doctor diagnosed me with Hyperemesis Gravidarum. They recommend not leaving the country due to these complications in the first trimester of pregnancy.
M.McClendon. U.S Nomad
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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If I decide to return home during my trip, is there cover for those expenses?
Sorry, there's no cover if you simply change your mind.
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If I fall pregnant before my trip, can I cancel?
The policy doesn’t cover cancellation for changing your mind. If you have complications with your pregnancy after you buy your policy and before your trip, World Nomads can help.
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Do your policies cover pre-existing pregnancy complications?
No. There’s no cover for pre-existing conditions or complications.
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Do both of your policies cover pregnancy?
Yes, both the Standard and Explorer policies cover pregnancy up to 31 weeks. .
Family travel insurance for Canadians
Toddlers or teens in tow? World Nomads covers up to 7 dependents
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So you’re travelling with tots and teens in tow? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age – which is why we can cover your entire brood as additions to your family plan. Be sure to list them as dependents when you buy your travel insurance.
What does your coverage offer?
Under the Standard and Explorer Plans, World Nomads offers coverage that’s suitable for families:
- Emergency medical treatment
- Emergency medical evacuation
- Trip cancellation, Trip interruption and Trip delay
- Baggage loss/theft and Baggage delay
- A wide variety of adventure activities (Additional premiums may apply, depending on your activity choices.)
As a Canadian Nomad, your plan also gives you (and your family) access to:
- A 24/7 Emergency Assistance team that provides local information and help accessing nearby medical facilities
- Safety information to help plan your trip
- Travel guides and videos for inspiration
What counts as a dependent?
Dependent children are unmarried and rely on you for support, and are at the time the insurance is purchased:
- Under 21 years of age; or
- Full-time students under 25 years of age; or
- Mentally or physically incapable of self-support, at any age.
- Foster children must be under your legal guardianship and reside at your address.
- Dependents must also be travelling on the same itinerary as you to be on the same policy.
Are dependents covered at the same limits as adults?
Yep – no need to worry! Travel insurance isn’t like going to restaurant and ordering kid-sized meals with smaller portions. Your children are covered up to the same limits even though they are travelling under your wing .
Got another question? Just ask World Nomads or contact our customer service team.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us.
How do I buy a family travel insurance policy?
All you need to do is enter a few details about yourself and your holiday as well as the ages of all your family members and we will automatically generate a quote for a family travel insurance policy with both Standard and Explorer options.
Once you’ve selected the right level of coverage and paid the premium, you will get an instant confirmation of coverage and policy wording sent directly to your email. You must read the policy to ensure you understand the coverage.
Monkey Bite
While visiting the Monkey Forest in Bali, I was bitten by a monkey. After returning to the hotel, I visited a local doctor. I received the first rabies vaccination and then went to the International SOS office in Bali for an examination. There, I received a second rabies shot followed by immunoglobin shots.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Are you, your family sick, injured or deceased?
- Strike at your departure or arrival point?
- Official travel advisory warning not to travel?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need prescription meds?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need to get to a hospital urgently?
- You or a family member deceased?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or gear stolen?
- Tech trashed?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance when going scuba diving or snorkelling.
Scuba diving tips for your underwater adventure.
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Looking to escape the cold of Canada? How does exploring the underwater wonders of the Caribbean's colourful reefs sound? Or, perhaps, diving into the crystal-clear waters of Southeast Asia? Maybe even diving into the wrecks of the Mediterranean? Whatever the destination, there’s no doubt scuba diving offers an unforgettable experience.
Before you dive into the deep end (literally), it’s important to be prepared. From understanding the local dive conditions to purchasing the appropriate scuba diving travel insurance, being ready for your international diving escapade can make all the difference.
- What types of dives are covered?
- What does scuba diving travel insurance cover?
- What’s not covered by scuba diving travel insurance?
- Scuba diving tips
What types of dives are covered?
As passionate divers ourselves, we’ve designed our scuba diving travel insurance plans to cover dives from the Great Blue Hole to The Yongala, and we can offer coverage for:
- Recreational scuba diving, including cavern diving, up to 30 metres.
- Recreational scuba diving, including cavern diving, up to 40 metres, with payment of an additional premium.
- Discover or “learn to dive” scuba dives with a qualified instructor.
- Scuba diving as a paid or volunteer instructor or guide, with the payment of an additional premium.
- Shark cage diving (non-qualified at surface or qualified to scuba dive to 30 metres).
Special conditions and exclusions may apply. Divers must hold a valid SCUBA diving certification (PADI, SSI or BSAC or equivalent) and follow the relevant association rules and guidelines at all times. Learners must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
If you’re not sure whether something is covered, contact us.
What does scuba diving travel insurance cover?
At World Nomads we offer two travel insurance plans – Standard and Explorer – each with different levels of coverage for scuba diving, snorkelling, and 250 other activities. When you get a quote, you can compare the plans side by side and decide which has the right level of coverage to meet your needs.
When you buy your travel insurance policy, you’ll need to list the activities you plan to participate in while travelling. Level 1 activities – such as scuba diving up to 30 metres – are automatically covered. Level 2 and Level 3 activities – like diving up to 40 metres – require an additional premium. World Nomads offers cover (up to the policy limits) for:
- Emergency medical: your health and safety are a priority when you’re exploring the ocean, which is why our plans cover emergency medical expenses should you become sick with decompression sickness, get into an accident or otherwise get hurt while diving or snorkelling. This can include use of a hyperbaric chamber, if deemed medically necessary
- Ambulance transportation and emergency evacuation: Dives that go wrong on reefs are not only unfortunate, they’re also costly – our scuba diving insurance includes coverage for ambulance transportation to the nearest qualified medica service provider and emergency medical evacuation (subject to approval from our 24/7 Emergency Assistance Team) to a hospital in your home province when your attending physician and our medical department recommend you return home for medical treatment.
- Baggage protection: Scuba diving gear isn’t cheap – World Nomads offers baggage protection with up to $3,000 coverage under the Explorer Plan and $1,000 with the Standard Plan for lost, stolen, or delayed items.
- Trip cancellation: if your dive trip is cancelled or interrupted due to an unforeseen event like a hurricane that results in Canadian Government travel advisory against travel to your dive destination, you may be able to recover your unused/additional travel expenses. This includes if your destination is deemed unsafe by a natural disaster.
Note: To be eligible for maximum emergency medical benefits, you must be covered under your GHIP for the entire duration of your policy. Without GHIP coverage during your trip, emergency medical benefits will be capped at $40,000 CAD.
What’s not covered by scuba diving travel insurance?
While we can offer coverage for a lot of scuba diving events, there are some things we don’t cover. These include, but are not limited to:
- Any scuba dive, including cavern diving, that takes you deeper than your current qualification limits, or any dive deeper than 40 metres.
- Any unaccompanied or solo dive, commercial scuba diving or cave diving.
- If you travel against medical advice or neglect to adhere to government of Canada "Do Not Travel” warnings issued prior to departure.
- Any pre-existing medical conditions unless otherwise expressly stated in your policy.
- Participation in a sport or activity not listed as covered in the policy wording or where you haven’t paid the required additional premium.
- Expenses you incur after you return to Canada.
Got a question? Reach out to us, we’re always here to help.
Scuba diving tips
Here’s some tips on how you can get the most out of your scuba diving trip, while also staying safe:
- Make sure you’re physically ready for scuba diving. Consider a medical check-up and obtain a 'fit to travel' approval from your doctor before diving.
- Before you plunge into the depths, give your gear a once-over to make sure everything’s in tip-top shape. Then, team up with your dive buddy for a thorough check – from tanks to regulators, ensure every piece is secure and dive-ready.
- For a dive that’s as safe as it is thrilling, stick with top-notch operators – choose companies that’re known for operating licenced, well-maintained sea-vessels, who only hire qualified dive instructors.
- Move slowly and calmly in with the underwater world – you’re more like to enjoy an up-close and personal experience with the marine residents when you blend in.
Ready to dive off the deep end?
Before you take the plunge, consider comparing our Standard and Explorer plans, or grabbing a quote. If you have any questions, contact us, our team is always here to help.
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, of 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
- Unexpectedly hospitalised?
- Dive 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
- Stepped on a stonefish?
- Got a serious squeeze?
- Need 02 or hyperbaric treatment?
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
- Sea level medical evac?
- Need an ambulance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Go Pro stolen?
- Bags lost in transit?
- Luggage delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for scuba diving. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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How do I get to a medical centre if I’m injured underwater?
As soon as you’re able to, contact our emergency assistance team so that they can help to the care that you need.
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What if the airline damages my gear
If your diving gear is damaged by the airline, World Nomads may provide coverage for the cost to replace it. You’ll need to claim with your airline first, then provide the airline’s benefits report when you claim with us to make up the difference, up to the policy limits.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
It will depend on the situation at the time of the medical emergency. If you require hospitalization and/or medical evacuation our emergency assistance team will work directly with the hospital and evacuation services on your behalf. They may be able to arrange direct payment with the medical provider. However, if the treatment you receive is from an urgent care facility or walk-in clinic, you most likely will have to pay out of pocket and claim for reimbursement.
Travel Insurance for Hiking, Trekking and Tramping
Simple and flexible travel insurance to take you trekking around the world. Buy at home or while travelling, and claim online from anywhere in the world.
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Whether you’re hiking up Mount Kilimanjaro, trekking to Base Camp or heading out for a weekend walk in nature, World Nomads travel insurance may help if an unexpected event tries to derail your next hiking trip.
Insurance designed by hikers, for hikers
As passionate hikers ourselves, we’ve designed our plans to cover many types of hiking, from a lazy weekend stroll to the most intrepid trek. We offer cover on some of the world’s most famous hikes and 150 other sports, activities and experiences including:
- The Inca Trail
- Trekking in Nepal
- Mount Kilimanjaro
- The Pacific Coast Trail
- The Appalachian Trail
- Camping, scrambling, tramping and backpacking (elevation restrictions may apply)
- Rock climbing, bouldering and mountaineering (elevation restrictions apply)
Hiking up to 3,000 meters is automatically covered as a level 1 activity. You can upgrade your plan to include hiking up to 6,000 meters as a level 3 activity. We do not cover hiking over 6,000 meters.
Be aware that terms, conditions, limits, exclusions may apply. Read the policy wording carefully to choose the right plan and adventure sport option for your hiking trip. If you have any questions, please reach out.
What does hiking travel insurance cover?
Whether you’re dusting off your boots for a few hours on the trail or going on a multi-day expedition to a far-flung corner of the globe, our policies may cover you for sudden and unforeseen events that could affect your travel plans.
World Nomads offers cover (up to the policy limits) for:
- Emergency medical: if you fall and sprain your ankle while hiking and need medical attention, we offer emergency medical coverage so you can get the treatment you need. You must be covered under your GHIP for the full duration of your policy to be eligible for maximum emergency medical benefits. If you do not have GHIP coverage while on your trip, emergency medical benefits will be limited to $40,000 CAD for the duration of your trip.
- Emergency evacuation: your hiking adventure may be far away from medical facilities. With our hiking travel insurance coverage, you could get transported to the medical facility best for your care, subject to approval from our 24/7 Emergency Assistance Team. If your injuries are worse than first thought, you could be repatriated back to your home province.
- Baggage protection: Our gear coverage may help with repairing or replacing damaged, lost or stolen items.
- Trip cancellation: if your hiking trip is cancelled due to an unforeseen event such as illness, you may be able to recover your prepaid, nonrefundable travel expenses, depending on your plan. Covered reasons for trip cancellation will be outlined in your policy documents.
What’s not covered?
There are also some things we won’t cover. These include, but are not limited to:
- Hiking or climbing while under the influence of drugs or alcohol.
- Mountaineering, high altitude climbing or expeditions above 6,000 meters.
- Participation as an athlete in any professional sports.
- Working as a mountain guide or rock-climbing instructor or guide using ropes or specialist equipment.
- If you travel against medical advice.
- Any pre-existing medical condition unless otherwise expressly stated in your policy.
- Unattended baggage, sporting equipment or personal items.
- Participation in a sport or activity not listed as covered in the policy wording or agreed by World Nomads or where you haven’t paid the required additional premium.
This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan.
Top tips for your hiking adventure
To make the most of your time on the trail, keep the following tips in mind:
- Be prepared: check the weather, check your equipment, and check the credentials of any instructors and guides – if they aren’t certified then reconsider whether it’s a smart move to go.
- Get hike fit: 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. Be sure you are physically capable of it.
- Be responsible: Before you start your trek, make sure your chosen trek suits everyone’s experience level and if you’re going guided, that you’re using an accredited tour operator. Wear appropriate safety gear.
- Keep your receipts and paperwork: any claim you make will need supporting documentation such as receipts of your purchases. Keep these with you in printed or digital form if you intend to make a claim with on your hiking travel insurance policy.
When you’re ready, head to our website to get a quote, compare our Standard and Explorer plans, and reach out if you have any questions. Happy trekking!
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
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly died?
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
- Rolled your ankle?
- Bedridden after a local delicacy?
- Struggling with altitude?
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
- Road or air ambulance?
- Flight assistance?
- Medivac needed home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- GoPro stolen?
- Gear damaged in transit?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamFAQ
Here are our most frequently asked questions about buying travel insurance for pregnancy. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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What’s covered when I’m hiking?
We’ve tried to give you the freedom to hike from Alberta to Zambia by helping cover some of those nasty accidents. For further info, click here
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How do I get to the medical centre if I’m injured while trekking?
If you can, contact the emergency assistance team to help arrange the care that you need. If you have no connectivity, then contact local authorities and have them call the assistance team once you’re in safe hands. For further info, click here.
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What if the airline loses my gear?
If your gear is lost or damaged by the airline, you have coverage under your policy to help cover some of the cost to replace them. Some exclusions apply. For further info, click here.
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Does my travel insurance cover medical costs upfront or do I have to pay and claim later?
If you’re hospitalized because of an accident, the insurer may help cover these costs upfront. For further info, click here.
Get 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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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 for Study Abroad Students
Travel insurance may be able to help US students as they learn outside the classroom.
- 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.
Studying abroad is a great opportunity to learn about the world – and yourself. Ideally your lessons will be of the academic kind, but World Nomads travel insurance* may be able to help if things go wrong.
Am I covered?
Your basic health and travel essentials will most likely be covered through your study-abroad organization. But World Nomads can cover you for a wide range of adventure activities or if you decide to extend your trip (we think you should definitely extend your trip!).
We offer four plans for US travelers to consider, including a potentially cost-effective Annual Plan. All of them offer differing levels of coverage for emergency medical expense coverage, evacuation, cancellation, and baggage, as well as over 250 adventure activities.
World Nomads travel insurance:
- Makes it easy to buy and claim online even if you’re traveling.
- Allows you buy more travel insurance if you choose to keep traveling.
- Provides free access to travel safety advice for your next adventure.
Going on a study abroad?
Don't forget to pack World Nomads travel insurance! If you plan to extend your trip beyond your studies, World Nomads will be with you every step of the way with:
- 24/7 emergency services
- Medical cover
- Gear cover
- Trip cancellation
- And more...
FAQ
Here are our most frequently asked questions about overseas medical 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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Do students need travel insurance?
It’s a good idea for students to consider travel insurance for their trips or study abroad programs, as plans offer coverage for unexpected, emergency scenarios while overseas.
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Can I buy a travel insurance plan if I'm already studying abroad?
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, or 45 days-per trip for an 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 may provide coverage for lost or stolen baggage. Exclusions apply. For more details click here.
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What if I get sick while traveling?
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. You’ll also have access to our 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 a 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, injured or dead?
- 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 drugs 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 to get to hospital urgently?
- You or a family member dies?
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 for extended trips
Discover how World Nomads can protect US residents on long-term adventures.
- 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 can travel insurance cover during a long trip
- Who might want to buy travel insurance for a long trip?
- How long can travel insurance cover me for?
- What if I don’t know how long I want to travel for?
- What's not covered?
Often the best adventures have no end date … that’s why World Nomads has designed flexible travel insurance policies for all types of travelers. If you're looking to travel for more than a week or two, we have travel insurance* that can keep US residents covered for up to 180 days on a single trip. We also offer an Annual travel insurance plan which can cover multiple trips per year, with each trip being up to 45 days in length.
What can travel insurance cover during a long trip?
Our plans come with loads of benefits, depending on the plan you buy. Whether you’re going on a long trip or a short trip, all of our plans may provide cover for:
- Trip cancellation and trip interruption if you get sick or injured at the last minute and need to make a change.
- Emergency medical expense reimbursement, which may cover an urgent visit to the doctor, medicine to help you get well, x-rays and hospital stays.
- Emergency medical evacuation if you get really sick and need to be transported somewhere with appropriate medical facilities or back to the US.
- Emergency repatriation if you need to be flown home to receive better care, or if a natural disaster or civil unrest makes your current destination unsafe.
- Delayed, lost or stolen baggage.
- 24/7 worldwide emergency assistance.
Our travel insurance plans are designed by travelers for travelers, and we cover more than 250 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.
Who might want to buy travel insurance for a long trip?
Travelers of all ages might be interested in purchasing a long term travel insurance plan. Here are a few examples:
- College students going on study abroad who want to travel in between quarters or semesters.
- Digital nomads making the most of work and play.
- New retirees heading out to explore the world with their newfound freedom.
- Families traveling for the summer holidays.
- Spontaneous travelers (the Annual travel insurance plan might be right for you!)
How long can I travel with long term travel insurance?
Our policies are designed to be flexible … we’re nomads after all! We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.
US travelers can buy a World Nomads travel insurance single-trip plan with a maximum duration of 180 days. If you purchase the Annual Plan, you can travel as much as you want with the maximum consecutive trip time of 45 days.
When you get a quote, you can compare our four single trip plans, and one annual travel insurance plan to see which will be best suited for your trip.
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 to ensure you’re covered while you’re away:
- Purchase a new plan: If your plan has expired, you can 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. Your plan wording will have full details to understand the cover, limits and exclusions.
- Purchase and track your plans with your World Nomads membership: A free membership gives you access to all of our great content and safety advice. And if you buy insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more plans as needed, and access online claims forms. Make sure you log-in before purchasing each new plan.
- 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 some of the expenses, 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 insurance plan during the time-sensitive period to protect those long trips (and big investments!).
What’s not covered by travel insurance?
All travel insurance plans have exclusions and limitations. Here are some of ours – we won’t provide cover for:
- Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect the local laws those of your host countries.
- If you've taken drugs or overindulged in alcohol.
- Routine medical treatment (remember it's not regular health insurance; it's for medical emergencies).
- Ongoing treatment at home.
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase.
- Cancelling your trip due to fear of travel or just changing your mind (unless you purchased the ‘cancel for any reason’ benefit).
A True Claims Story
Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
U.S. resident in Spain
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)
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 teamFAQ
Here are our most frequently asked questions about extended trips and travel insurance. 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 I buy a travel insurance policy if I'm already traveling?
Yes, you can be traveling anywhere in the world and still buy a policy for any duration you choose (from 1 day up to 180 days). Check the policy wording for details on when coverage begins and ends.
-
What if I get sick while traveling?
What if I get sick while traveling? If you’re injured or get sick while you’re traveling,, you could be covered for: hospital stays; emergency out-patient treatment ; prescribed medicines, X-rays, and laboratory tests; and medical evacuation, if a necessary part of your treatment.
-
Can I extend my policy?
Technically, you can’t extend your policy, but you can purchase another policy if you need additional coverage.
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What if I need to end my trip early?
• You may be eligible for our trip interruption benefit [link] if you need to end your trip before originally planned. However, you won’t be able to get a refund on the unused portion of your policy. If you run into an emergency, please call our 24/7 Emergency Assistance team.
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 team