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Long-Term Travel Insurance

Travel insurance for backpackers and other habitual nomads

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Most of us here at World Nomads have spent some long time on the road. Traveling long term can have serious side effects – forgetting your own name, where you're from, or if your travel insurance policy has expired. The first two can be fun, the last one can be.... problematic.

Do I need travel insurance on a long-term trip?

Longer term travel sets you up for doing way more things on your trip than you probably ever intended. With a World Nomads long term travel insurance policy, you’re covered for over 200 adventure activities, depending on whether you purchase our Standard or Explorer plan.

The longer you’re away from home, the more likely you are to forget the activities you specified in your travel insurance purchase. In the heat of the moment, as you’re about to get on a quad bike in Mui Ne with a bunch of friends, is probably not the time to ask yourself, "I wonder if the World Nomads Travel Insurance Policy I purchased five months ago covers this activity?".

It's something we want you to be mindful of if you are a long-term traveler, whether you’re backpacking through Southeast Asia or WWOOFing in South America. Try to keep your travel insurance policy on hand for reference.

What does a World Nomads plan cover?

Several components make up a World Nomads travel insurance policy. When these benefits are bundled together, they could protect you, your belongings and your financial investment when you’re traveling for an extended period of time. 

1. Emergency medical: The last thing you want is to be stranded in an unfamiliar place with a crippling illness that’s going to do more than stop you from going museum-hopping or surfing at the beach. There’s a reason why emergency medical coverage is the number one benefit for trip protection plans. It also includes medical evacuation, just in case a doctor orders your treatment to take place closer to home.

2. Baggage and Personal Belongings: Maybe you travel light, maybe you don’t. Either way, what you pack is valuable. If your luggage gets delayed, your passport damaged, or your camera stolen, you can get compensated for what your item was worth, up to a certain amount.

3. Trip Cancellation: It’s a bummer when you’ve planned a big trip, only to have to cancel. But your trip investment isn’t lost if you’ve had to cancel for a covered reason. The most common is an unexpected sickness (your own, a travel companion’s, or a family member’s), but we cover other reasons too

4. Trip Interruption: The longer your travels, the greater the likelihood that you may have to return early. Our plans can reimburse you for the unused, pre-paid portions of your trip, plus an economy-class one-way ticket home.

5. Trip Delay: This is a similar benefit to Trip Interruption, except it represents a hiccup in your trip as opposed to having to jump ship altogether. You can make a claim for expenses, such as cab rides, meals, and hotels, that are a result of a delay of six hours or more.

6. Accidental Death and Dismemberment: We hope you don’t ever have to use this benefit, but it’s here if you need it. This section of the policy pays out a beneficiary should you suffer the loss of a body part or your life.

Can I get World Nomads insurance if I’m an expat?

In order to be covered by a US World Nomads policy, you need to be a US resident or citizen with a residential address in the United States. You must also be able to provide documentation (a current driver’s license, for example) to prove your residency.

If you’re on an extended stay abroad, you may be able to purchase a policy as a resident of the country where you’re currently living. For more information, go to this  Help Center article

Travel Insurance and making a claim

Did you know you can claim on the road with World Nomads? If you need to make a claim online, read our information on making a travel insurance claim online.

World Nomads also makes it easy to:

  • Buy travel insurance online, even if you're already traveling
  • Purchase more travel insurance online, should you wish to keep traveling
  • Stay safe and informed with online travel safety advice
  • Get 24/7 emergency assistance


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

Emergency medical transportation: we’ll get you to 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.

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
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.

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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.