Travel Insurance for U.S. residents (2024)

World Nomads Travel Insurance

Travel insurance for independent travelers and their families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.

World Nomads travel insurance has been designed by travelers for travelers, to cover your trip essentials. Even if you run out of travel insurance or leave without it, World Nomads can cover you. We don't just keep you and your family protected, with us, you'll travel smarter and safer.

Buy cover while traveling

If you're traveling and want to extend your trip, World Nomads lets you buy more cover to keep you on the road.

24/7 Emergency Assistance

Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.

Cover for 200+ Adventure Activities

At World Nomads, we love to explore our boundaries when we travel, so we've worked for over ten years developing one of the longest lists of covered activities.

Donate to local communities

We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.

Travel Insurance for U.S. residents (1)

Buy cover while traveling

If you're traveling and want to extend your trip, World Nomads lets you buy more cover to keep you on the road.

Travel Insurance for U.S. residents (2)

24/7 Emergency Assistance

Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.

Travel Insurance for U.S. residents (3)

Cover for 200+ Adventure Activities

At World Nomads, we love to explore our boundaries when we travel, so we've worked for over ten years developing one of the longest lists of covered activities.

Travel Insurance for U.S. residents (4)

Donate to local communities

We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
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.

  • Explorer Plan: $100,000
  • Standard 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.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
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.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Go Pro Gone?
  • Laptop Lost?
  • Sports Gear Stolen?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services

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

We cover 200+ activities you love

Snow 26 activities

Water 47 activities

Air 18 activities

Land 61 activities

Sports 80 activities

Experience 40 activities

  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
  • Snow Activities
    • Included for Standard & Explorer Plans

      Bobsled / Bobsleigh (non-snow track) Dog sledding Glacier walking Ice fishing Polar plunge Skidoos Skiing / snowboarding (cross country/Nordic) Skiing / snowboarding (on and off piste on resorts) Ski joring Sledding Sleigh rides Snow biking Snow kiting Snow mobiling Snow rafting Snowshoeing Tobogganing Tubing on snow
    • Included for Explorer Plan

      Bobsled (in snow) Heli-skiing / boarding Skiing / snowboarding (backcountry/alpine ski touring) Skiing / snowboarding by helicopter or snowcat Skiing with a miniwing Skiing (instructor) Snowboarding (free-style, jumping, stunting)
  • Water Activities
    • Included for Standard & Explorer Plans

      Banana boat rides Black water rafting Boating Canoeing Cave tubing (grades 1-5) Cruising (passenger) Cruising (crew) Dragon boating High diving (up to 33 feet) Hydrofoiling Hydrospeeding (grades 1 – 5) Jet boating Jet skiing Kayaking Kite surfing Outrigger canoe Paddle boarding Riverboarding Rowing / sculling Sailing Sailboarding Scuba diving (up to 165 feet) Sea canoeing Sea kayaking Snorkeling Speed boating Stand-up paddle surfing Surf boat rowing Surfing Swimming Tubing Wakeboarding Wakeskating Water skiing White water kayaking White water rafting Water polo Windsurfing Yachting
    • Included for Explorer Plan

      Diving Free diving (up to 197 feet) Heli-skiing / boarding Lifeguarding Scuba diving to 165 feet (commercial/instructor/guide) Shark cage diving
  • Air Activities
    • Included for Standard & Explorer Plans

      Aerial safari Gliding Indoor skydiving Microflight Parascending (over land) Passenger in a scheduled air charter Zip line
    • Included for Explorer Plan

      Aviation Ballooning Fly by wire Flying as a pilot or crew Hang gliding Hot air ballooning Passenger in a private, light aircraft Passenger in a stunt plane Skydiving Tandem skydiving Wingsuit flying
  • Land Activities
    • Included for Standard & Explorer Plans

      ATVs Backpacking Bicycle touring Bikepacking Bushwalking Camel riding / trekking Camping (up to 19,685 feet) Cycle touring Dirt boarding Dune buggy Fell running / walking Hiking or tramping (up to 19,685 feet) Hunting (excluding big game) Hurling Land surfing Live action role-play (LARP) Moped biking Motor biking / motorcycling Motor racing (passenger only) Mountain biking (incidental to the trip) Mountain biking off track / downhill Mountain biking on tracks and trails Orienteering Outdoor endurance (less than ultra distance) Outward Bound Parkour Quad biking Rambling Roller blading Running of the bulls (spectator) Safari tours Sandboarding Sand skiing Scooter riding Scrambling (up to 19,685 feet) Segway polo Segway tours Speed trials Stilt walking Tough Mudder Trail bike riding Trail running (up to 19,685 feet) Tree climbing (up to 33 feet) Trekking (up to 19,685 feet) Tuk tuk (passenger) Unicycling Walking (up to 19,685 feet) War games (online) WWOOFing Yoga (in class or alone) Yoga (yoga teacher) Zorbing
    • Included for Explorer Plan

      Camping (up to 22,965 feet) Hiking or tramping (up to 22,965 feet) Horse riding (rodeo) Motocross Motor racing (driver) Outdoor endurance (ultra distance) Running of the bulls (participant) Scrambling (up to 22,965 feet) Trekking (up to 22,965 feet) Tuk tuk (racing, rickshaw run) War games (military simulation)
  • Sports Activities
    • Included for Standard & Explorer Plans

      American football Aerobics Airsoft Angling Archery Athletics Badminton Ballet Ballroom Dancing Baseball Basketball Bicycle polo Bowling Boxing Broomball Butoh Capoeira dancing Cheerleading Cricket Clay pigeon shooting Croquet Curling Dance Darts Deep sea fishing Disc golfing Dodge ball Equestrian activities Fencing Fitness training Floorball Football FootGolf Go karting Golf Gymnastics Hockey Horse riding Ice hockey Ice skating Korfball Lawn bowling Martial arts (non contact) Martial arts (judo, karate) Netball Obstacle course Paint balling Pickleball Powerlifting Racquetball Rifle range shooting Rock fishing Roller derby Roller hockey Roller skating Rounders Rugby Running / walking (less than ultra distance) Salsa dancing Snooker Soccer Softball Spear fishing Sports shooting Squash Stoolball Table tennis Target shooting Tchoukball Tennis Triathalon (less than ultra distance) Ultimate frisbee Volleyball Weight training
    • Included for Explorer Plan

      Cage fighting Kick boxing Mixed martial arts Muay Thai Running / walking (ultra marathon or more) Triathalon (ultra distance or more)
  • Experience Activities
    • Included for Standard & Explorer Plans

      Air Guitar Bungee jumping Canyon swing Canyoning Dirt boarding Indoor rock climbing Kite boarding Kite buggy Kite flying Kite wing Mongol Rally Parasailing Skateboarding (ramp/half pipe) Skateboarding (street) Trampolining
    • Included for Explorer Plan

      Abseiling Bouldering Bull riding Bushcraft Cave diving Cavern diving Caving / spelunking Cliff diving Cliff jumping Deepelling Deep-water soloing Free soloing High wire Ice climbing Jetpacking Mountaineering (up to 22,965 feet) Parachuting Paragliding / parapenting Potholing Rap jumping (up to 22,965 feet) Rappelling (up to 22,965 feet) Rock climbing (up to 22,965 feet) Speed flying Swimming with whales Trapeze Via ferrata

Blue activities are included in the Standard Plan. Orange and blue activites are included in the Explorer Plan.

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.

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

Wherever you are, we’re here 24/7 to help you in any emergency.
Travel Insurance for U.S. residents (5)

Aurelie Menard,
Emergency Assistance, World Nomads

Travel insurance. Simple & flexible.

Travel insurance for independent travelers and intrepid families. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

Trustpilot

Underwritten by: Nationwide
In partnership with: tripmate

Travel Insurance for U.S. residents (2024)

FAQs

Do US citizens need travel insurance? ›

Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding. Check if your current health care covers emergencies that happen while traveling.

What is the best travel insurance for Americans traveling abroad? ›

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.

Do American Express card holders get free travel insurance? ›

Your American Express® Card may include complimentary domestic and international Travel Insurance, as well as retail insurances like Card Refund and Purchase Cover, and/or Smartphone Screen Cover. Terms, conditions and exclusions apply (such as maximum age limits, pre-existing medical conditions and cover limits).

Does US health insurance cover you internationally? ›

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas. More information is also available on the CDC insurance page.

Is it OK to not have travel insurance? ›

When Is Travel Insurance Not Necessary? You generally don't need travel insurance if you're not putting down large non-refundable trip deposits, or if your U.S. health plan will cover you at your destination.

What is the best travel insurance company? ›

11 Best Travel Insurance Companies in May 2024
Best travel insurance categoryCompany winner
Best overallBerkshire Hathaway Travel Protection.
Best for emergency medical coverageAllianz Global Assistance.
Best for travelers with pre-existing medical conditionsTravel Guard by AIG.
8 more rows
3 days ago

How much should travel insurance cost? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

Who is cheaper than travelers insurance? ›

Of the 10 largest car insurance companies, only Geico and USAA are cheaper than Travelers, on average.

Can I just get medical travel insurance? ›

Some travelers need travel insurance that covers just emergency medical expenses and mishaps while traveling, not the entire cost of their trip. The name for this is post-departure travel insurance: a plan that provides protection while you're traveling, without trip cancellation/interruption.

Which American Express card is best for travel insurance? ›

The top cards that offer Amex travel insurance are the Platinum Card® from American Express, the American Express® Gold Card, and the Blue Cash Preferred® Card. You can also purchase standalone travel insurance from Amex with any major credit card.

Is Allianz travel insurance good? ›

Allianz is a popular choice among business travelers due to its AllTrips Executive travel insurance policy with coverage for lost, stolen or damaged business equipment and rental car insurance. Earning 4.1 out of 5 stars, our expert reviewers think Allianz is a great choice for international travel insurance.

Do all Visa cards have travel insurance? ›

Use the Visa insurance service for safe and comfortable travels. Holders of Visa Platinum, Visa Signature, Visa Infinite, Visa Platinum Business and Visa Signature Business premium cards will be automatically insured when traveling.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

How much does international travel medical insurance cost? ›

Many travel medical policies start at less than a dollar a day. Costs can vary widely depending on factors such as coverage level, age, destination, and trip length. A full week of coverage may cost less than $4 or more than $100.

How much does international health insurance cost? ›

How much does international health insurance cost? The annual cost of an international medical insurance plan will range from as low as $500, with limited benefits, to as much as $8,000 for a comprehensive global medical insurance policy, including coverage in the USA. The average cost is $5,500 per year.

Do US citizens need travel insurance for Europe? ›

Do I need travel insurance for Europe? Travel insurance isn't required when visiting Europe; however, it can cover your prepaid and non-refundable trip costs in the event of travel delays, cancellations, a medical emergency or lost baggage.

Do I need travel insurance for Europe from USA? ›

Do I Need Travel Insurance for Europe? Travel insurance is not required for U.S. citizens to enter Europe. Tourists traveling to countries that are part of the Schengen Agreement can enter with a U.S. passport. However, if you plan to stay in certain countries for more than 90 days, you may require a visa.

Do I need additional medical insurance when traveling abroad? ›

Make sure you have a plan to get care overseas, in case you need it. Consider buying additional insurance that covers health care and emergency evacuation, especially if you will be traveling to remote areas.

What countries do not require health insurance? ›

However, Brazil is the only country in the world that offers free healthcare for all its citizens. Also, Norway is the first country in the world to implement a free healthcare policy as far back as 1912.

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