Find the right plan for your needs: A detailed comparison of coverage options for Americans
As featured in:
For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.
You picked your destination, hotel, and booked all your activities. But there’s still one more important decision… Which should you get?
When you first start looking into travel insurance , it can be challenging to know which plan to pick. There’s not a one size fits all answer. If you’re staying closer to home and road tripping here in the US, your travel insurance needs could be different than if you are trekking through Africa.
Before you do your travel insurance benefit comparison, you’ll want to think about things like where you’re going, how much you’ve spent on your trip, and what types of activities you’ll be doing.
World Nomads has multiple options available for our nomads so that you can pick the best plan for your needs. All our single trip plans offer coverage for up to 180 days; our Annual Plan offers coverage for 12 months with a maximum length of 45 days per trip. We’ll help break down some of the differences between the plans so you can do a plan comparison.
The Standard Plan is the most basic plan offered by World Nomads, but it still packs a punch. It covers more than 250 activities and may cover many of the unplanned situations you may encounter on your travels.
Some insurance benefits in the Standard Plan include:
The Standard Plan also includes a few non-insurance services such as Pre-Trip Medical Support from Runway Health and Footprint ID and Blue Ribbon Bags. All plans also include 24/7 Emergency Assistance from our partners at Generali.
The Explorer Plan offers everything that is covered by the Standard Plan - and more.
The Explorer Plan may be an option that our adventurous nomads want to consider. It covers more activities and adventures than the Standard Plan, and may cover things like shark cage diving, skydiving, cliff jumping, and hot air ballooning.
You’ll also see that the Explorer Plan offers a higher Maximum Benefit Amount for many benefits. For example, with the Standard Plan, you may be covered for up to $2,500 if you cancel your trip for a covered reason. With the Explorer Plan, that number goes up to $10,000. You may want to calculate the total cost of your trip and see what plan covers the non-refundable expenses, should you need to cancel it.
As you’re doing your plan comparison, you’ll find the Explorer Plan offers some additional benefits as well. You may want to take those into consideration as you’re deciding on which travel protection plan may be best for you. One big difference is that the Explorer Plan includes a travel insurance benefit that covers rental car damage. If you're renting a car, this may be one that you want to review.
Some of the other additional travel insurance benefits in the Explorer Plan include:
Also included in the Explorer Plan, but only if you purchase within the time-sensitive period of 7 days of initial trip payment or deposit:
With this plan, you can also add on the optional ‘cancel for any reason’ benefit, if you do so within the time sensitive period. This benefit allows you to cancel your trip for any reason at all and be partially reimbursed up to the limit on your confirmation of coverage – outside of the covered reasons included in your trip cancellation coverage. If you think there’s a possibility that you may change your mind about your trip, you may want to consider adding on this benefit. This benefit is only available, at an additional cost, to the Explorer or Epic Plans. Additional terms apply and it is not available to New York residents.
The Epic Plan is the most robust of the single trip plans offered by World Nomads. It’s also the priciest, but that’s because of the higher level of coverage that is included. It includes everything that is in the Explorer Plan but has higher Maximum Benefit Amounts for many of the insurance benefits.
The trip cancellation coverage jumps up to $15,000 maximum with the Epic Plan. If you’re taking a pricier or more adventurous trip, you may want to take that into consideration when you’re doing your plan comparison. More activities are also covered, including hikes or treks at higher altitudes (exclusions apply to adventure activities).
The emergency medical coverage has a $150,000 Maximum Benefit Amount with the Explorer Plan, but with the Epic plan you may have up to $250,000 of coverage. Depending on where you’re traveling, your US health insurance may not be accepted. Our travel protection plans include travel insurance benefits for medical expenses that may help you be reimbursed for hospital stays, x-rays, medication and more. The plan also offers medical evacuation coverage in certain circumstances. Evacuation costs can be expensive (especially if you must be transported to a hospital far away) and the Epic Plan can be a lifeline to saving your wallet should the worst-case scenario happen to you.
The Annual Plan allows you to purchase travel protection once for the year and be covered on almost all the trips you take that are over 100 miles from your home - even those that are here in the US. The maximum trip length is 45 days. If you know you’ll be traveling a lot and have multiple trips planned throughout the year, this may be one to look at closely when you’re doing your travel plan comparison.
Some of the benefits included in the Annual Multi Trip Plan are:
The Annual Multi Plan also includes the same non-insurance services as the other plans.
When you’re doing your plan comparison, think about how many trips you have planned for the year, and the types of things you’ll be doing on your trip. Also think about how much you’ve invested in your trip. A summer traveling around Europe is different from a weekend camping trip in your home state. For pricier trips, you may want to consider more coverage. For the elevated plans, you’re going to pay more, but you’ll also have higher benefit limits and coverage for more things.
We suggest that you get a so you can see what is covered under each plan. Read the plan wording, and do a plan comparison of the different options. Make sure you pay attention to the insurance benefits offered with each plan, as well as the Maximum Benefit Amounts and exclusions for each. If you don't understand anything, you can contact us anytime, and we can help explain what’s included with each plan.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage.I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
Protect your hard earned vacation from unexpected cancellation.
We’ve got your back.
Take the pain out of medical or dental costs.
We’ve got your back.
We'll provide assistance to get you to the hospital or home quickly.
Help starts here.
Covers the loss, theft or damage of your bags, tech and gear.
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
Protect Your Trip
Protect Your Stuff
Non-Insurance Services
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
Before your trip, check the latest government advice for any travel alerts for your destination.