Travel Insurance for U.S. residents
Simple & flexible trip insurance for international or domestic travel. Buy & claim from anywhere in the world.
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Find the right coverage for your next vacation
Explore the key benefits of our travel insurance plans for Americans. See why over 3 million travelers have chosen World Nomads for more than 20 years.- All
Standard Plan
Our most basic plan packs a punch! Now, all our plans cover over 250 activities (up from 200), up to 180 days per trip. Maximum limits shown are payable per person and additional terms apply.
Emergency Medical Coverage
Coverage for medical emergencies overseas & a dedicated 24/7 Emergency Assistance Team
$125,000
Trip Cancellation & Interruption
Protect your trip from unexpected cancellations or interruptions
$2,500
Coverage for Lost or Stolen Luggage
Cover the loss, theft or damage of your bags, tech and gear.
$1,000
Coverage for over 250 Activities, Sports and Experiences
Cover for those who love to be active on vacation. Explore the list here.
Emergency Evacuation & Repatriation
Assistance to get you to the closest appropriate medical facility or home for further treatment.
$400,000
Explorer Plan
All the coverages of our Standard Plan, plus some extras! This plan is suited for adventurous travelers, with additional benefits like Missed Connection, Trip Exchange & Optional Cancel-for-Any-Reason**. Even your ski trip & pets could be covered!
Emergency Medical Coverage
Coverage for medical emergencies overseas & a dedicated 24/7 Emergency Assistance Team
$150,000
Trip Cancellation & Interruption
Protect your trip from unexpected cancellations or interruptions
$10,000
Coverage for Lost or Stolen Luggage
Cover the loss, theft or damage of your bags, tech and gear
$2,000
Coverage for over 300 Activities, Sports and Experiences
Cover for those who love to be active on vacation. Explore the list here.
Emergency Evacuation & Repatriation
Assistance to get you to the closest appropriate medical facility or home for further treatment.
$500,000
Epic Plan
Planning an epic trip or bucket list vacation? The Epic Plan may be for you! It has all the great coverage of the Explorer Plan, but with even higher benefit amounts.
Emergency Medical Coverage
Coverage for medical emergencies overseas & a dedicated 24/7 Emergency Assistance Team
$250,000
Trip Cancellation & Interruption
Protect your trip from unexpected cancellations or interruptions
$15,000
Coverage for Lost or Stolen Luggage
Cover the loss, theft or damage of your bags, tech and gear.
$3,000
Coverage for over 340 Activities, Sports and Experiences
Cover for those who love to be active on vacation. Explore the list here.
Emergency Evacuation & Repatriation
Assistance to get you to the closest appropriate medical facility or home for further treatment.
$700,000
Annual Multi Trip
Make this year your best one yet! The Annual Plan provides a full year of travel protection with just one plan. Purchase just once and take as many trips as you want, each up to 45 days in length.
Emergency Medical Coverage
Coverage for medical emergencies overseas & a dedicated 24/7 Emergency Assistance Team
up to $100,000 per trip
Trip Cancellation & Interruption
Protect your trip from unexpected cancellations or interruptions
$5,000 per individual Coverage Term included
Coverage for Lost or Stolen Luggage
Cover the loss, theft or damage of your bags, tech and gear.
up to $2,000 per trip
Coverage for over 250 Activities, Sports and Experiences
Cover for those who love to be active on vacation. Explore the list here.
Emergency Evacuation & Repatriation
Assistance to get you to the closest appropriate medical facility or home for further treatment.
up to $100,000 per trip
More benefits of World Nomads Travel Insurance
- Backed by over 20 years of industry experience and thousands of customers.
- Optional Cancel for Any Reason (CFAR) coverage available as an add-on for our Explorer and Epic plans. Additional terms apply. Not available in NY.
- Dedicated 24/7 emergency assistance with translation services.
- Non-insurance services include pre-trip medical support from Runway Health & airline baggage recovery with Blue Ribbon Bags.
Buy cover while traveling
If you're traveling and want to extend your trip, World Nomads lets you buy more cover to keep you on the road.
24/7 Emergency Assistance
Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.
Cover for 200+ Adventure Activities
At World Nomads, we love to explore our boundaries when we travel, so we've worked for over ten years developing one of the longest lists of covered activities.
Donate to local communities
We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.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
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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
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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
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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
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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
- Runway Health
- FootprintID
- Blue Ribbon Bags
We cover 250+ activities you love
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
Frequently asked questions
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What is travel insurance and why should I consider it?
Travel insurance is designed to protect you from financial losses due to unexpected incidents you encounter while traveling. These incidents can be in the form of medical emergencies, flight delays, lost luggage, trip cancellations and more. World Nomads has four different plans for US residents, each with differing benefits and policy limits designed to suit all kinds of travelers. Read more about the benefits and plan differences here.
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What is the 'Cancel for Any Reason' (CFAR) travel insurance benefit?
‘Cancel for Any Reason’ or ‘CFAR’ coverage is an optional add-on benefit when you purchase certain plans from World Nomads. This benefit allows you to quite literally cancel your trip for any reason (at least two days prior to your trip departure) and receive partial reimbursement for non-refundable, prepaid and forfeited trip expenses, like accommodations, attractions or flights. This benefit costs additional money and is only available during the time sensitive period. Additional terms may apply and it is not available in New York.
This optional benefit could be ideal for those who are planning trips far in advance or plan to invest a lot of money on them. Honeymoons, cruises or safaris are a good example. These trips are often costly and are booked months in the future. What if you break up with your partner or lose your job before you are able to go? That’s where CFAR may be able to assist. Learn more about the terms and conditions on the links above. If eligible, you’ll be able to add CFAR onto your plan after you get a quote.
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What should I look for in a travel insurance plan?
You’ll want to consider several factors when deciding which travel insurance plan to pick. These include:
- Trip Cost – will the plan limits cover your total trip cost if something unexpected comes up and you need to cancel?
- Activities – does your plan cover you for all the activities you may do while on your trip? Each plan covers more than 250 activities, and our Explorer and Epic plans cover even more activities and sports.
- Pre-existing Medical Conditions – do you have an existing, but stable, medical condition that could flair up during the trip? Most plans do not cover pre-existing conditions, however our Explorer and Epic plans have a ‘pre-existing exclusion waiver’ available if you purchase your travel insurance plan during a time-sensitive period and are healthy enough to travel when you first made the purchase.
- Baggage and Gear – What is the value of the stuff you are bringing? Learn about the per-item and total limits available in our travel insurance plans. We suggest you take photos and keep receipts of the items you are bringing with you, in case you need to make a baggage claim. You’ll need proof of ownership.
- Exclusions, Terms and Conditions – While our travel insurance plans cover quite a bit, they do not cover everything. It’s important to read the plan documents to understand what is and isn’t covered. You can get the plan documents when you get a quote. Give us a call if you have any questions.
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Can I purchase travel insurance after leaving on my trip?
If you’ve left the US without travel insurance or your plan has run out and you’re still on the road, World Nomads can still offer you coverage. With World Nomads, you can buy a plan online anytime, from anywhere in the world. You will be eligible for immediate coverage for accidents but may be subject to a waiting period for other benefits.
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How does World Nomads price travel insurance?
The cost of travel insurance depends on a range of factors including:
- The length of your trip
- Your chosen destination(s)
- The level of coverage/plan you pick (Standard, Explorer, Epic or Annual Plans)
You can pick a single, couple or family plan. Up to seven dependents under the age of 25 may be added to your single-trip plan for free (excluding The Annual plan). All parties on a plan need to reside in the same state and be US residents.
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How do I make a travel insurance claim?
Making a claim is a straightforward process.
- Log on to the World Nomads membership portal. If you have purchased travel insurance with us before, make sure you pick the correct plan.
- You will be prompted to click onto the portal of our claim's administrator, Trip Mate.
- Report the incident. Let us know what happened as soon as possible, but up to a maximum of 20 days from when the incident occurred.
- Submit documents. Documents required will depend on what you are claiming for, but they could include police reports, medical records, receipts, and more. It’s important to remember that travel insurance is considered ‘secondary (or excess) insurance’. This means that you must have tried to receive benefits from your primary health care or an airline (for example) first, before claiming with us. You’ll need to show proof of what the other party denied to pay.
- We’ll be in touch!
You can learn more about the claims process here.
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Who do I contact if I have an emergency?
If you need immediate assistance, call the local authorities first and get yourself to a safe location. Then, give our 24/7 Emergency Assistance Team a call.
World Nomads partners with Generali Global Assistance (GGA) to provide emergency and travel assistance services to US residents.
Telephone: +1-877-289-0968 (toll free within the US and Canada)
Telephone: +1-954-334-8143 (Collect worldwide)
Email: ops@gga-usa.com
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Who do I contact if I have a customer service question?
If you have questions, we are here for you! Our partner Trip Mate can assist with questions or concerns related to your plan coverage, non-insurance services and claims. Please have the Plan Number associated with your purchase available.
Phone: 1-844-207-1930
Email: serviceUSA@worldnomads.com
Please note that any plan change requests (like name or address changes) must be sent in writing via email.
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Are there any exclusions or limitations to travel insurance coverage?
Our travel insurance plans cover quite a bit, but they do not cover everything. Here is a list of things that are never covered:
- Expenses incurred within 100 miles of your home.
- Expenses occurred at a destination or date not listed in your travel insurance plan. You can get a ‘global’ plan if you do not a have set destination in mind. If you need to extend your trip, you can buy another travel insurance plan while you are on the road.
- Any incidents occurring in a country that we are not allowed to help you in. These are countries sanctioned by the US government.
- Any illegal or reckless acts. You must follow all local laws in order to be eligible for benefits. If you plan to drive a car or motorbike in the country you are traveling to, be sure to check the licensing requirements. Reckless acts may include losses occurring while you are intoxicated.
Be sure to read the plan documents to learn of other terms, conditions and exclusions. If you have questions, give us a call.
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Can I cancel my travel insurance plan and receive a refund?
There is a “free look” period built into every plan. The amount of time is dependent upon which state you live in. This “free look” period is the time you have to read your plan documents and decide if this travel insurance plan is right for you. If you decide you want to cancel during the “free look” period, you can then do so providing:
- You haven’t started your trip;
- You haven’t made a claim or used any non-insurance service;
- You don’t want to make a claim or exercise any other right under the plan.
To cancel, you need to sign into your membership, choose your plan and follow the links to cancel.
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Will travel insurance cover me if I don’t have the right travel documents and I’m denied entry?
While your travel insurance benefits can cover many things, you may not be covered if you don’t have the right travel documents. If you get to the airport and aren’t allowed past the security checkpoint because you don’t have a REAL ID, you may have to cancel your trip. That may not be covered by trip cancellation coverage though, because that could have been prevented. You also may not be covered if you aren’t allowed entry into a country because you didn’t apply for a visa. Trip cancellation benefits only cover certain unexpected and unplanned situations as explained in your plan documents. It’s your responsibility to gather all of the travel documents you need for your trip and avoid situations that would prevent you from traveling.
Because of life’s unexpected curveballs, you may want to consider a travel protection plan that has an optional cancel for any reason travel insurance benefit. If you purchase the Explorer or Epic Plan with the additional cancel for any reason add-on, you could cancel your trip for any reason that’s not otherwise covered by your plan. The other thing to remember is that even though you may have the travel insurance benefit that allows you to be able to cancel for any reason, you must cancel at least 2 days prior to your trip departure if you plan to make a claim. For the Explorer plan, you could be reimbursed 50% of the prepaid, forfeited, non-refundable payments or deposits you paid not to exceed $5,000. With the Epic Plan, you could be reimbursed for up to 75% of those costs, not to exceed $11,250. If you don’t cancel on time though and then realize at the airport that you don’t have the documents you need, this benefit won’t help you. When you get a quote for travel insurance benefits and non-insurance services, you’ll be able to see specific information about the plan. This insurance benefit costs additional money and is not available to residents of NY. Additional terms may apply.
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Will travel insurance benefits help me if my passport or visa documents are lost or stolen?
The travel protection plans from World Nomads could include travel insurance benefits that cover lost or stolen travel documents, provided you did everything you could to protect your property. First of all, make sure you report your passport lost or stolen. In the event of a covered claim you could be reimbursed for the cost of a replacement document up to $100 under the Baggage and Personal Effects benefit. If your trip has been delayed at least six consecutive hours because your travel documents were stolen, you may also be reimbursed for reasonable additional expenses such as meals, accommodations, local transportation, and more, that are incurred due to the delay. Just make sure you keep all documentation like police reports and a copy of the request for your replacement passport.
**Optional Cancel For Any Reason is available at an additional cost and is not available to residents of NY. Additional terms apply. Benefit is up to the lessor of the Trip Cost paid or the limit of coverage on Your confirmation of coverage.
Before your trip, check the latest government advice for any travel alerts for your destination.