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Travel Insurance for long trips

For those who aren't going home anytime soon.

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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 U.S. residents covered for up to 180 days.

What can travel insurance cover during a long trip?

Our policies come with loads of benefits, depending on the policy you buy. Whether you’re going on a long trip or a short trip, all of our policies 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 treatment, like 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 U.S.

  • Emergency repatriation if you need to be flown home to receive better care, or to bring your body back to your home country if you die overseas (it’s terrible to think about, but it happens).

  • Delayed, lost or stolen baggage.

  • 24//7 worldwide emergency assistance.

Our travel insurance policies are designed by travelers, and we cover more than 200 activities, sports, volunteer and work experiences, including casual bar work, skiing, volunteering, hiking and more.

Who might want to buy travel insurance for a long trip?

Travelers of all ages might be interested in purchasing a long stay travel insurance policy. Here are a few examples:

  • College students going on study abroad who want to travel in between quarters or semesters.

  • Working holiday makers.

  • Road-trippers on a long-term holiday.

  • 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.

How long can travel insurance cover me for?

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.

U.S. travelers can buy a World Nomads travel insurance policy for a maximum duration of 180 days.

When you get a quote, you can compare our two plans, Standard and Explorer, and download the full policy wording before you buy.

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 policy: If your policy 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 policy. Your policy wording will have full details to understand the cover, limits and exclusions.

  • Purchase and track your policies 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 policies as needed, and access online claims forms. Make sure you log-in before purchasing each new policy.

What’s not covered by travel insurance?

All travel insurance policies 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.

  • Pre-existing conditions

  • Cancelling your trip due to fear of travel or just changing your mind.


This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that may apply. Always read your policy carefully before you buy and make sure it’s right for you and if you have more questions get in touch.

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 Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
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.

  • Explorer Plan: $100,000
  • Standard 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.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
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.

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

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

We cover 200 activities you love + more

Snow 26 activities
Water 47 activities
Air 18 activities
Land 61 activities
Sports 80 activities
Experience 40 activities
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Blue activities are included in the Standard Plan. Orange and blue activites are included in the Explorer Plan.

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 Generali Global Assistance:
Telephone: +1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada

Contact the team

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.

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Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team. If you’re looking for general travel advice, you can ask our community at Ask a Nomad.

  • 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.
  • 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.