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.

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

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

How much travel medical insurance is enough? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Do US citizens need travel insurance? ›

The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel.

Is 100000 enough for travel insurance? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Is travel insurance mandatory for US visa application? ›

No, buying a travel insurance is not mandatory for USA travel. Although buying a travel insurance plan is not mandatory when traveling to the US, it can be extremely helpful in taking care of unexpected expenses and travel-related emergencies.

Is $250,000 enough for medical travel insurance? ›

If you read any of our other articles, you'll remember that we always offer a simple recommendation for Medical Insurance. Overseas travelers should have these minimum levels of protection: Medical Insurance Coverage - $100,000. Medical Evacuation Coverage - $250,000.

Can I just get medical travel insurance? ›

Travel medical insurance is offered either as part of comprehensive travel insurance plans, or may be purchased as a stand-alone plan. If you have a comprehensive plan, you may also be covered by other travel-related coverages, such as trip cancellation or interruption.

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.

Do US citizens need travel insurance to 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.

Does US health insurance cover you internationally? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Is it smart to get travel insurance? ›

Travel insurance can be useful, but it's not always necessary. The key to knowing if you need travel insurance is figuring out your specific risks for any given vacation, then deciding if you can buy coverage that adequately protects you from any financial losses and pitfalls that might occur.

What to look for in travel insurance? ›

Your travel insurance should always include the following cover:
  • medical expenses and cover for getting you home if you're injured or fall ill abroad.
  • personal injury and cover for accidents or damage caused by you.
  • cover for lost or damaged items.
  • cover for lost or delayed baggage.

What is the best medical insurance for international travel? ›

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.

Which travel insurance is best for the USA? ›

Best medical insurance for visitors to usa from India
  • Safe Travels USA Comprehensive.
  • Visitor Secure.
  • Safe Travels Elite.
  • Patriot America Plus.
  • Atlas America.
  • Patriot America Lite.
  • Diplomat America.
  • Visitors Care.

Is it better to buy travel insurance from India or the USA? ›

While purchasing insurance from India may seem convenient, opting for coverage from a U.S.-based provider offers superior regulatory protection, comprehensive coverage, and valuable policy benefits that are essential for ensuring a safe and stress-free trip.

How much does US travel insurance cost? ›

The average cost of a standard travel insurance policy is $221, according to research conducted by the MarketWatch Guides team. However, the destination, number of travelers, trip price and more can affect the exact cost of a policy.

What percent of trip should travel insurance cost? ›

Travel insurance is not one-size-fits-all, so the price and conditions of a plan will vary. However, it may be useful to understand pricing guidelines to plan your travel insurance purchase. In general, you should expect a plan will cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost.

How much medical insurance do I need for travel to Europe? ›

A comprehensive travel policy with at least $50,000 in medical coverage is recommended when traveling to Europe or any country where you don't have health insurance. Travel medical insurance will cover expenses related to an unexpected injury or illness.

Is travel healthcare worth it? ›

So, is travel nursing worth it? Yes! With more money, flexibility, career options, travel perks, and personal growth, it's still one of the most exciting nursing opportunities in 2024.

Should I have travel medical 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.

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