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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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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.

What are the benefits of road trip insurance?

One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Travel insurance is designed for modes of transport, and there are many reasons why it’s important for road trips. There are ways travel insurance can help you while on the road, here are some examples:

What's Covered for Road Trips Abroad 

  1. Sudden trip cancellations

Has your road trip ended before it got going? An unexpected illness, a car accident or the UK Foreign, Commonwealth & Development Office (FCDO) or similar body 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. Our cancellation benefit is for certain insured events and may allow you to cancel your trip and recover your pre-paid, non-refundable deposits when an emergency happens. Check out more about cancellation cover to know what you may be covered for.

  1. Unexpected medical emergencies on the road

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

  1. Rental car insurance for vehicle damage

Car breakdowns and traffic accidents can put a dent in your wallet as well as your car, if you don’t have vehicle cover. World Nomads’ Explorer plans offer cover for damage to or theft of your rental car during your trip. Cover is also available for the cost of replacing car keys if they are lost, stolen or damaged during the rental period. Remember, you must have a valid licence in the UK 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.

  1. 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 can be 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.

  1. Road trip interruptions and delay

There’s nothing worse than spending a lot of money on a big trip only to lose everything if something unexpected throws a wrench in the works.  Trip interruption cover can help salvage the pre-paid, non-refundable trip expenses that you forfeited because of an insured event that disrupted your travels after you’ve left the UK. Please note, you may need to purchase the Explorer plan to access certain 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 by more than 12 hours, while overseas, 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 UK travellers) or be caused by an insured event. Check out our Help Centre article which has information on delayed and missed flights.

  1. 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 that 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 the UK
  • 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. 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.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Protect your trip from unexpected cancellation.

  • Explorer Plan: £5,000
  • Standard Plan: £3,000
Trip Protection
  • Unexpectedly hospitalized?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Abroad Medical Expenses

Take the pain out of medical costs while traveling abroad.

  • Explorer Plan: £10 million
  • Standard Plan: £5 million
Emergency Medical Insurance
  • Need medication?
  • Suddenly sick?
  • Accidentally injured?

We’ve got your back.

Emergency Medical Transport

Expenses included in Emergency Medical limits.

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

Help starts here.

Protect your gear

Cover your lost, stolen or damaged gear and tech.

  • Explorer Plan: £2,000
  • Standard Plan: £1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Medical Expenses
  • Baggage & Personal Belongings
  • Cancellation
  • Trip Curtailment
  • Personal Accident
  • Loss of Passport or travel documents
  • Personal Liability
  • Legal Expenses (Personal Liability)
This is a general summary for United Kingdom residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.
Pre-existing medical conditions

World Nomads policies cannot cover claims due to Pre-Existing Medical Conditions (PEMC), regardless of whether the condition is serious or not (this includes if you're on separate or joint policies). You can still purchase a World Nomads policy, but the PEMC exclusion is not removable. 

For travel insurance providers that offer cover on PEMC, visit the Money and Pensions Service (MaPS) Money Helper website, or call 0800 138 7777. BIBA's (The British Insurance Brokers' Association) Find Insurance Service offers information on serious PEMCs and travel insurance providers that may cover these conditions. You can also contact them on 0370 950 1790.

24/7 emergency assistance

If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Wherever you are, we’re here 24/7 to help you in any emergency.

Are you in need of emergency assistance right now?

For policies purchased on or after 1 September 2021:
+44 (0) 2030931750 (Call via an operator reverse charges. Not toll free.)

For policies purchased before 1 September 2021:
Phone: +353 21 237 8005 (Call via an operator reverse charges. Not toll free.)
Phone: +61 2 8263 0470 (Call via an operator reverse charges. Not toll free.)

Contact the team