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Travel Insurance when on a Road Trip

Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance

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One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.

Trip cancellation

Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.

Emergency medical

Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.

Rental car insurance

Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. Some World Nomads plans offer damage collision waiver coverage depending on your country of residence and your choice of a Standard or Explorer plan.

Emergency Assistance

If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.

Trip interruption and delay

You may need help getting your trip back on track when you encounter problems whether that be a sudden illness, or an incident caused by bad weather.

Baggage and personal belongings

If thieves break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.

While Ireland may be a top destination for a road trip, many Irish travellers are keen to explore the world. Maybe you’re dreaming of cruising the South Coast of Italy, driving in Australia’s Outback or town-hopping along the Pacific Coast Highway in California. Whatever road you plan, it’s always a good bet to have travel insurance just in case an unexpected setback puts the brakes on your trip.

What are the benefits of road trip insurance?

One of the best things about a road trip is the freedom to explore at your own pace, on your own terms. Travel insurance is designed for many modes of transport, and there are many reasons why it’s important while you’re on the road.

What's Covered for Road Trips Abroad?

  1. Sudden trip cancellations

Has your road trip ended before it started? An unexpected illness, a car accident or the Department of Foreign Affairs (DFA) issuing a travel warning advising against ‘All Travel’ or ‘All But Essential Travel’ to a specific region or country can stop you from getting on the road at all. The cancellation benefit is for certain insured events and may allow you to cancel your trip and recuperate your pre-paid, non-refundable deposits when an emergency happens. Check out more about the benefits of travel insurance to know what you may be covered for.

  1. Unexpected medical emergencies on the road

Your health and safety are a priority when you’re getting behind the wheel and travelling to new destinations. Especially if your injuries are beyond minor bumps and scratches and you end up in hospital. Our plans include emergency evacuation coverage for ambulances or transfers to an appropriate medical facility when needed. If you’re accidentally injured or suddenly become ill while on your road trip, our 24/7 Emergency Assistance team is on hand to help you. Always, ensure you check the maximum benefit amount specified which is outlined in in your Policy Wording.

       3.Rental car insurance for vehicle damage

Car breakdowns and traffic accidents can put a dent in your wallet as well as your rental car if you don’t have vehicle coverage. World Nomads’ Explorer plans offer cover if your rental car is damaged or stolen during your trip. Cover is also available for the cost of replacing car keys if lost, stolen or damaged during the rental period. You must have a valid licence in Ireland for the class of vehicle you’re driving overseas, regardless of local laws. Please note: travel insurance doesn’t replace the need to have a signed rental vehicle agreement or damage waiver in place.

       4.Emergency assistance at any hour of the day

When you’re in an unfamiliar place (especially a country where you don’t speak the language), it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24-hour Emergency Assistance team to support you in a crisis. Whether your car has broken down in the middle of nowhere, you need urgent medical attention or a referral for roadside assistance, our Emergency Assistance team can help you out wherever you’re travelling.

       5. Road trip interruptions and delay

There’s nothing worse than spending a lot of money on a big trip investment only to lose everything something unexpected throws a wrench in your plans. Trip interruption coverage can help salvage the pre-paid, non-refundable trip expenses you’ve forfeited because of an insured event that disrupted your travels after you left Ireland. You will need to purchase the Explorer plan to access trip interruption and travel delay benefits. Check out our Help Centre article on what to look out for when it comes to trip interruption.

You may also need help getting your trip back on track. If you get delayed while overseas by more than 12 hours, you may need to pay for a hotel or a meal as you catch up to your itinerary. Check your Policy Wording for any conditions you need to meet: your delay might need to be a certain number of hours, (more than 12 hours for Irish travellers) or be caused by an insured event. Check out our Help Centre article which has information on delayed and missed flights.

       6. Protection for stolen belongings and baggage

You may have camping gear in your trunk or sunglasses in your glove compartment. Thieves can be crafty enough to dodge security measures and get into locked spaces. You can make a claim for a replacement or a reimbursement of your stolen items, up to a per item and total maximum limit. Please note, if the baggage is stolen from a vehicle, there must be visible evidence of damage and forced and violent entry into the vehicle and/or locked compartment, which is confirmed by a police report. Always keep any proof of ownership, age and value of your belongings. And keep any receipts for items you buy on your trip in case you need to make a claim.

What isn’t covered for road trip travel insurance?

Some of the main exclusions include:

  • Pre-existing medical conditions. Read your Policy Wording for more details.
  • Loss, theft or damage to the extent you’re entitled to compensation from the carrier, other service provider or anyone else.
  • Medical treatment that can wait until you return to Ireland.
  • Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.
  • Any other reason listed under the section exclusions and General Exclusions in your Policy Wording.

Need some road trip inspiration?

Check out these World Nomads road trip articles:

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

Car theft in South Africa

We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
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 hospitalized?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need medication?
  • Suddenly sick?
  • Accidentally injured?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Hurt abroad?
  • Medevac home?
  • Need an ambulance?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

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

Travel insurance. Simple & flexible.

Travel insurance for independent travelers. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.