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Travel insurance for vacation rentals

Support for a canceled trip, stolen belongings, medical emergencies, and more

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Space, privacy, the comforts of the casa – nothing is better than renting a vacation home, whether it’s a lakeside chalet or a studio in New York City. But sometimes booking from a private homeowner could add a layer of “What if?”. That’s where travel insurance comes in. Here are the need-to-know details of vacation rental coverage, so you can get on with your getaway.

Do I need travel insurance?

Hopefully, the worst thing that happens when you’re staying at your rental is eating the free snacks too fast. But, if you find yourself in a pinch, travel coverage can save your sanity. When an emergency happens, it is as much a headache preventer as any dose of medicine. Think of good travel protection as having back-up on standby.

What's covered by vacation rental insurance?

There are lots of reasons to consider travel insurance, including those that apply to vacation rentals specifically:

  • A canceled trip: do you have to cancel your vacation rental at the last second due to something such as an urgent illness? With trip insurance, you may be able to recoup your pre-paid, non-refundable trip costs, including your accommodation.
  • Stolen belongings: did a thief break into your vacation rental while you were out at dinner and make off with your pricey laptop or brand new DSLR camera? Personal effects are covered, up to their cash value at the time they got swiped. (Just be sure to file a police report and keep a copy for your claim.)
  • A medical emergency: illness is unavoidable. If you need to see a doctor or go to the hospital, you can claim your medical bills; just be sure to touch base with us to confirm your coverage and get any necessary pre-approvals.
  • A natural disaster: a flood or forest fire standing between you and the vacation rental of your dreams? If the property has been destroyed or you’ve been prevented from staying there due to an unforeseen natural disaster, we’ve got a silver lining in the cloud for you: you may be reimbursed your pre-paid trip expenses (moolah you can save for your next adventure).

What's not covered by vacation rental travel insurance?

  • Illegal activities and any incidents caused from being under the influence (partying is banned at most vacation rentals, anyway.)
  • Diva behavior, a.k.a. loss of enjoyment. If the vacation rental doesn’t look exactly like it did in the pictures or has a weird smell, you may have to suck it up and head to your second-choice place to stay... on your own dime.
  • Negligence. Did you get back to your vacation rental only to discover you left a burner on...and the kitchen is on fire? Or maybe you forgot to lock up the way the homeowner asked before you checked out and a burglar ransacked the place. These types of scenarios may be excluded.

Psst! Want to know more about what’s covered and not covered by travel insurance? Read your policy and contact us if you have any questions. Happy trails!

This is only a summary of coverage and does not include the full terms and conditions of the policy. You should read your policy wording in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, customer service is here to help.

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)
*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
Wherever you are, we’re here 24/7 to help you in any emergency.
Aurelie's portrait photo
Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. 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.