EN Contact us
Member
Photo © Solstock / Getty
  1. World Nomads
  2. Usa
  3. Travel Insurance
  4. Activities
  5. Vacation Rentals

Vacation Rental Travel Insurance Coverage

Learn how US residents can protect their stays in vacation rentals around the world

    As featured in:

  • As featured in:

At a glance:

  • All World Nomads plans cover losses resulting from trips where you stay in private vacation rentals, with some plans that offer higher limits of coverage.
  • Emergency Medical Coverage may assist with medical costs and transport if you're seriously hurt while staying in a vacation rental.
  • Our travel protection plans include transportation if your condition is severe, acute, or life-threatening and adequate treatment is not available in your immediate area. Additional terms apply.
  • Gear and baggage protection helps cover lost, stolen, or damaged gear and luggage.
  • An optional Cancel for Any Reason upgrade is available on some plans (additional cost and state restrictions may apply.)

Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Maybe you’re headed to the Caribbean and booking a beachside vacation rental on an island, or perhaps you would rather stay in a

 treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected. If you’re planning an epic trip that includes staying in a vacation rental, you may want to protect yourself with a travel protection plan that includes a range of travel insurance benefits and non-insurance services for vacation rentals that may help with everything from stolen gear to unexpected medical expenses.

Why should I consider travel insurance when staying in a vacation rental?

Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation rental or if a hurricane keeps you from reaching your dream vacation home, travel insurance and non-insurance services designed for vacation rentals 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 when you’re staying in a vacation rental.

Travel insurance and non-insurance services for trips with vacation rentals: What may be covered?

Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we’ve designed coverage for losses resulting from stays in vacation rentals. We also offer coverage for losses related to more than 250+ other sports, activities and experiences.

  1. Emergency Medical Expenses
    For injuries that happen when staying in a vacation rental

  2. 24/7 Non-insurance Emergency Assistance
    Available 24/7 to assist in an emergency situation

  3. Baggage & Gear Coverage
    Damaged or stolen gear or luggage that is lost

  4. Trip Delays, Interruptions & Cancellations
    A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked

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 include travel insurance coverage for vacation rentals, as well as 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 if I’m staying in a vacation rental?

World Nomads offers four plans for U.S. residents – Standard, Explorer, Epic and Annual – each with different levels of coverage. When you’re not lounging around poolside at your vacation rental, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because you may be covered for more than 250+ other sports, activities and experiences when you purchase a travel protection plan that includes travel insurance coverage and non-insurance services.

  • Standard Plan – This is the most basic plan, but includes travel insurance coverage for incidents while staying in a vacation rental. It includes up to $125,000 in emergency medical expenses and up to $2,500 for trip cancellation.
  • Explorer Plan – This plan also includes vacation rentals, plus even more activities – including skydiving. It also has higher limits of coverage for most benefits.
  • Epic Plan – This plan covers everything the Explorer covers, plus even more activities – including free soloing and cliff diving. It also has the highest benefit limits of coverage.
  • Annual Plan – If you’re planning multiple trips throughout the year, this plan may be for you. Just buy once and stay protected all year. It includes travel insurance coverage for vacation rental trips, as well as all of the other activities covered in the Standard Plan.

NOMADS TIP: For even more trip cancellation flexibility, check out the optional ‘Cancel for Any Reason’ benefit. It can be added to Explorer and Epic plans. Available at an additional cost for U.S. residents, except in New York.

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
A couple checking into a vacation rental home

What may not be covered when staying in a vacation rental on your trip?

If you leave the burner on and the kitchen catches on fire, your travel insurance coverage for vacation rentals won’t pay for those damages. It’s up to you to make sure you take care of the place while you’re there. Some other things that aren’t covered include:

  • Unattended baggage, gear or personal items
  • Furniture or any other items that are part of the vacation rental
  • Alcohol and drug-related incidents and illegal activities
  • Not following ‘Do Not Travel’ warnings issued by the US government prior to departure
  • Participation in activities not listed in our 250+ sports, activities and experiences
  • Traveling or staying in a vacation rental within 100 miles of your home
  • Pre-existing conditions. 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 and were medically able and not disabled from travel, based on the assessment of a physician, when you buy the plan. A definition of a pre-existing condition can be found in your plan document.

Top safety tips we recommend for staying at a vacation rental

  • Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
  • Read your rental agreement. Become familiar with anything the host has shared regarding locks, alarms, etc.
  • Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t have one.
  • Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
  • Have emergency contact information for your host.
  • Take advantage of the pre-departure medical consultation included in your non-insurance services and see if there are any vaccinations or prescription medications, like altitude sickness pills, recommended for your destination. Depending on the medication, you may need to start it prior to your trip (costs may apply)
  • Check with the 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.
  • Have a copy of your plan documents saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance team and have that easily accessible as well.

FAQ

Here are our most frequently asked questions about cover for vaction rentals. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What should I do if I get hurt while I’m at a vacation rental?

    If you get hurt while staying in a vacation rental, 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 for trips that include vacation rentals.

  • Do I get my money back if I cancel a 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 vacation rentals 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.

  • What happens if my bags are delayed?

    When you purchase a plan with travel insurance coverage for trips that have vacation rentals, baggage coverage is also included. If your checked-in bags are delayed more than 12 consecutive hours on the way to your destination, your plan may reimburse you for reasonable essential items like toiletries and a change of clothes until you and your bag are reunited. Your coverage also includes non-insurance service that can help track down your bag and get it delivered to you.

Need destination inspiration for cool vacation rentals around the world?

Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a few of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.

The Caribbean: Bungalows on Royal Island

United States: A treehouse with free-roaming alpacas in Atlanta

Italy: A rustic villa on a vineyard

Costa Rica: A luxury pool home in the jungle

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 Protection

Protect your hard earned vacation from unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • Annual Plan: $5,000
Trip Protection
  • Work emergency?
  • Weather delay?
  • Travel companion sick?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Standard Plan: $125,000
  • Explorer Plan: $150,000
  • Epic Plan: $250,000
  • Annual Plan: $100,000
Emergency Medical Insurance
  • Accidentally injured?
  • Suddenly sick?
  • Need a hospital?

We’ve got your back.

Emergency Evacuation

We'll provide assistance to get you to the hospital or home quickly.

  • Standard Plan: $400,000
  • Explorer Plan: $500,000
  • Epic Plan: $700,000
  • Annual Plan: $100,000
Emergency Evacuation
  • Ambulance transfers
  • Medevac flights
  • Medical escort services

Help starts here.

Protect your gear

Covers the loss, theft or damage of your bags, tech and gear.

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $3,000
  • Annual Plan: $2,000
Protect your gear
  • Stolen I.D.s
  • Checked-in sports equipment
  • Damaged luggage

Help starts here.

The amounts listed represent the maximum benefit amount.

Protect your health

  • 24/7 Emergency Assistance Help Line
  • Emergency Medical & Dental Expenses
  • Emergency Evacuations
  • Bedside Companion Travel
  • Emergency Medications

Protect Your Trip

  • Trip Cancellation
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Delay & Trip Interruption
  • Missed Connection (Explorer or Epic)
  • Rental Car Damage (Explorer, Epic or Annual)

Protect Your Stuff

  • Baggage Delay
  • Passport and Visa Loss
  • Lost or Stolen Bags
  • Personal Tech, Equipment & Gear
  • Baggage Return After Evacuation

Non-Insurance Services

  • Medical & Non-Medical 24/7 Emergency Assistance Line
  • Translators Available
  • Pre-Departure Telehealth Services
  • Portable Health Records
  • Delayed or Lost Baggage Tracking and Delivery
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

24/7 emergency assistance

Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, 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?

Contact 24/7 Emergency Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team