Family Travel Insurance
Travel insurance for American families. Buy at home or while traveling and claim online from anywhere in the world.
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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.
- Why should I get family travel insurance?
- How can World Nomads Travel Insurance help me and my family?
- Who is covered under a family travel insurance policy?
- What is a dependent?
- Are dependents covered up to the same policy limits?
- What’s not covered by family travel insurance?
So you’re taking the kids this time? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age, which is why we can cover your kids as dependents on your family plan. We’ll cover up to seven of your kids if you’re brave enough to take them all!
Why should I get family travel insurance?
Besides bickering about who gets the window seat or get the last scoop of ice cream, you may run into a bump or two when traveling with your family. No matter the ages of your crew, travel insurance* to cover the whole family may be a good idea.
Even under adult supervision, children can experience mishaps that can throw a wrench into your plans or require medical attention.
It’s also a good idea to have a contingency plan in case an emergency happens to the caregiver, leaving a child unattended. World Nomads plans may cover transport of your minor children back home, accompanied by an attendant if necessary, if an adult is hospitalized for at least seven days or passes away during the trip.
How can World Nomads Travel Insurance help me and my family?
World Nomads offers simple and flexible travel insurance, designed for travelers by travelers, to help you travel confidently on your next family vacation. Our four plans each offer differing levels of coverage, so it’s important you read plan documents and pick the best one for your trip. Subject to terms and conditions, all our plans offer coverage for:
- Emergency medical expenses, in case you or your kids suffer an accident or injury while traveling.
- Trip cancellation for the recovery of missed, prepaid, non-refundable trip costs when you cancel for a covered reason.
- Emergency evacuation for hospital transfers or a flight back to your home if your condition warrants it and our Emergency Assistance Team approves it.
- Baggage delays of at least 12 hours on route to your destination.
- Trip interruption for emergencies that can cut your trip short.
- Lost, stolen or damaged baggage.
- 24/7 Emergency Assistance including help locating local medical services and clinics
- Coverage for more than 250 activities for U.S. residents from snow sports to water sports and more.
You can also access safety information and travel guides and videos to help you plan your trip.
Who is covered under a family travel insurance policy?
Parents plus their dependent children, as long as at least one of the traveling adults is a legal guardian of the dependent kids, and you all reside in the same US state.
When you get a quote, be sure to list all dependents who will be traveling with you on the plan to ensure coverage for your whole family.
What is a dependent?
For travel insurance purposes, dependent children are:
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A person under the age of 25 and primarily dependent on You for support and maintenance. The age limit does not apply to a child who is incapable of self-sustaining employment by reason of mental or physical incapacity.
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Unmarried.
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Traveling with you on the same itinerary.
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Reside in the same state as you.
If your kids don’t meet any of the above requirements, you can purchase single plans for each traveler who resides in a different state.
Are dependents covered up to the same policy limits?
Yep! Your kids are covered up to the same limits even though they are traveling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person.
What’s not covered by family travel insurance?
Read your plan carefully as there are some exclusions including:
- If you change your mind (or get in a fight with your loved ones!) you are not covered for cancellation or other expenses incurred. If you think this may be a possibility, you may want to consider purchasing the optional ‘cancel for any reason’ benefit, which can be added on to the Explorer or Epic plan within a time-sensitive period.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
- Stolen, lost or damaged personal belongings that were left unattended.
- Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase.
- Participation in a sport or activity not listed in the covered activities list or agreed by World Nomads.
How do I buy a family travel insurance policy?
All you need to do is enter a few details about yourself and your trip as well as the ages of all your family members and we will automatically generate a quote for a family travel insurance plan.
Once you’ve selected the right level of coverage for you and paid for your plan, you will get instant confirmation of your family travel insurance to your selected email.
FAQ
Here are our most frequently asked questions about family and travel insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Can I buy a family travel insurance plan if we're already on vacation?
Yes, you can be traveling anywhere in the world and still buy a plan. You can purchase it for any duration you choose (up to 180-days for a single trip and up to 45-days per trip for an Annual Plan). Check the plan wording for details on when coverage begins and ends.
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If the airlines lose our bags, am I covered?
Yes, World Nomads travel insurance provides coverage for lost or stolen baggage. Exclusions apply. For more details visit our baggage and gear page
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What is covered if we need to cancel our family trip?
You would only be eligible for reimbursement if you canceled for a covered reason as listed in your plan documents. These reasons could include being too sick to travel or the death of a family member. If you think you may need to cancel for a reason that is not listed as ‘covered’, you may want to consider purchasing the optional ‘cancel for any reason’ benefit as an add-on to your Explorer or Epic plan within the time-sensitive period.
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What if one of the family gets sick while traveling?
If you or a member of your family is injured or gets sick while you’re traveling, and you’ve bought the plan for the activities you’re doing, you may be covered for: hospitalization; out-patient treatment for medical emergencies; prescribed medicines, X-rays, and laboratory tests; and being brought home, if medically necessary.
A True Claims Story
My wife fell in our house and broke her right kneecap. She had to have surgery and the doctor says she has to stay off her right leg for 8 weeks. I had to cancel my trip to Israel because I have to stay in the house and be her caregiver.
U.S. resident
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
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
Before your trip, check the latest government advice for any travel alerts for your destination.