Travel Insurance Plan Comparison
Compare our Standard, Explorer, Epic, and Annual Plans to find the most suitable travel insurance coverage for your next trip.
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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.
You picked your destination, hotel, and booked all your activities. But there’s still one more important decision… Which travel insurance* plan 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 plan 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
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 benefits in the Standard Plan include:
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Emergency Medical Coverage
- Baggage Coverage
- Medical Evacuation and Repatriation of Remains
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
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 insurance plan may be best for you. One big difference is that the Explorer Plan includes coverage for rental car damage. If you're renting a car, this may be one that you want to review.
Some of the other additional benefits in the Explorer Plan include:
- Missed Connections
- Pet Boarding
- Trip Exchange
- Also included in the Explorer Plan, but only if you purchase within the time-sensitive period of 7 days:
- Travel Inconvenience*
- Pre-existing medical condition exclusion waiver*
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 - not just for 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.
The Epic Plan
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 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.
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, and the emergency medical coverage in your travel insurance plan may help you be reimbursed for hotel stays, x-rays, medication, an ambulance ride, and more. Medical 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
The Annual Plan allows you to purchase travel insurance 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 insurance plan comparison.
Some of the benefits included in the Annual Multi Trip Plan are:
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Emergency Medical Coverage
- Baggage Coverage
- Medical Evacuation and Repatriation of Remains
- Natural Disaster Evacuation
- Rental Car Damage
The Annual Multi Plan also includes the same non-insurance services as the other plans.
Comparing Travel Insurance 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 be covered for more things.
We suggest that you get a quote for travel insurance 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 benefits offered with each plan, as well as the Maximum Benefit Amounts 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. 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.
Baggage Delay in a Delhi Winter.
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.
S.N. U.S Nomad in India.
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
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
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 meds 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 a hospital urgently?
- Medevac home?
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
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
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.