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Here are our frequently asked questions regarding travel insurance. You can also visit our Help Center for more FAQs.
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.
‘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.
You’ll want to consider several factors when deciding which travel insurance plan to pick. These include:
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.
The cost of travel insurance depends on a range of factors including:
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.
Making a claim is a straightforward process.
You can learn more about the claims process here.
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
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.
Our travel insurance plans cover quite a bit, but they do not cover everything. Here is a list of things that are never covered:
Be sure to read the plan documents to learn of other terms, conditions and exclusions. If you have questions, give us a call.
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:
To cancel, you need to sign into your membership, choose your plan and follow the links to cancel.
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.
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.
Before your trip, check the latest government advice for any travel alerts for your destination.