Easy comparison for US residents: emergency medical, baggage, and trip cancellation coverage.

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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.  

Taking the time to compare travel insurance* plans can be the difference between getting help when you need it most or being left without adequate coverage. That’s why World Nomads has made it easy to compare travel insurance online, so you can quickly see what is and isn’t covered. 

Just buying the cheapest travel insurance plan without reading the details could mean shelling out for ski rentals when your skis or snowboard fails to arrive off the luggage conveyer belt or getting stuck with unexpected medical bills if you have been in an accident. 

How do I compare travel insurance plans? 

It’s important to make sure the plan you select will adequately cover your needs, as you will not be able to add coverage post-purchase. We suggest the best starting point is to consider: 

  1. What are you planning on doing? 
  2. Where are you going? 
  3. How long will you be gone? 
  4. What activities do you plan on participating in while you’re traveling? 
  5. How much money did you invest in the trip? 

Once you’ve done that, the next step is to consider the level of coverage you’ll need and what you’ll need coverage for. To help you out and provide some context, the claims we most often see are for: 

Another important consideration is 24/7 Emergency Assistance so no matter where you are or what time it is, there’s someone just a phone call away waiting to help you and your family. 

Our emergency assistance teams can help you locate a doctor who speaks your language, coordinate your emergency treatment plans, and even arrange for your emergency evacuation and repatriation back home in a worst-case scenario. 

We also cover over 250 adventure activities and offer cancel-for-any-reason coverage (depending on the plan you choose). And if you decide to travel longer, World Nomads lets you buy more coverage on the road. 

Which travel insurance plan do I need?

Only you can decide the best travel insurance plan for you. Whether you are traveling domestically or internationally, our website makes it easy to compare prices and benefits. 

To get a quote, just enter a few details about your trip and you'll be able to compare our Standard, Explorer, Epic or Annual plans, benefits, and how much you’re covered for. These plans cover different activities and have different coverage limits so read them carefully. You can also download and read the full plan wording before you buy. You can’t upgrade your coverage after you purchase a plan, so it’s important to get this right on the first go.  

World Nomads plans offer coverage for up to 180 days at a time with the Standard, Explorer, and Epic plans. And if you plan to take numerous trips during the year, then the Annual Plan could be best for you. It has a maximum trip length of 45 days. 

What does travel insurance not cover?  

While we want to cover you for as many scenarios as possible, we can’t cover everything. Here are a few situations we don’t cover: 

  • Cancelling your trip due to fear of travel or just changing your mind (unless you purchased the cancel-for-any-reason add-on benefit). 
  • Anything illegal (we can’t bail you out or pay for your lawyer). 
  • If you've taken drugs or overindulged in alcohol and then got into an accident. 
  • Non-emergency treatment that can wait until you return home (remember it's not regular health insurance; it's for medical emergencies). 
  •  Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period were medically able to travel at the time of purchase. 

*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. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans. 

Flooded guestroom

While living on the third floor of a guesthouse in Cambodia, I woke up in the middle of the night to use the bathroom and discovered that there was about 5 inches of water on my room floor. It turns out a pipe had burst and the water was seeping out of the walls. Unfortunately, my suitcases were under my bed, so everything in them got soaked- including my camera. Although I tried to reverse the water damage by putting my camera in a pot of rice for 24 hours, it did not help and now my camera will not function.
Claim Paid: USD $117.62
SH US Nomad in Cambodia

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
  • Are you or your family sick, injured or dead?
  • Natural disaster or terrorist attack where you’re going?
  • Called to active service?

We’ve got your back.

Emergency Medical Insurance

Take the pain out of medical or dental costs.

  • Standard Plan: $125,500
  • Explorer Plan: $150,000
  • Epic Plan: $250,000
  • Annual Plan: $100,000
Emergency Medical Insurance
  • Need drugs quick?
  • Accidentally injured?
  • Suddenly sick?

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
  • Banged up abroad?
  • Need to get to hospital urgently?
  • You or a family member dies?

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
  • Go Pro Gone?
  • Laptop Lost?
  • Sports Gear Stolen?

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
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

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