Travel Insurance Coverage when using Vacation Rentals
Travel insurance coverage for Canadians booking vacation rentals
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At a glance:
- Coverage for Vacation Rental Stays: World Nomads offers travel insurance for trips where you may be staying in a vacation rental. It may help cover medical emergencies, stolen gear and trip cancellations.
- Emergency Medical Evacuation, Even Off the Grid: Our plans include emergency medical evacuation coverage if you get injured while staying at a vacation rental in remote areas.
- Different Plans for Different Trips: Choose from four travel insurance plans: Standard, Explorer, Epic and Annual Multi-Trip and add optional higher activity level coverage to customize your plan based on your trip style and level of adventure.
- Disrupted Stays: If your trip is disrupted by illness or injuries (amongst other covered reasons), travel insurance may help cover your prepaid, non-refundable trip costs.
- Why should I consider travel insurance when staying in a vacation rental?
- Travel insurance when staying in a vacation rental: What may be covered?
- What level of travel insurance coverage do I need if I’m staying in a vacation rental?
- What may not be covered when staying in a vacation rental?
- Top safety tips we recommend for staying at a vacation rental
- FAQs
Nothing is better than staying in a vacation home where you can have space, privacy and the comforts of your own home. Recent studies show that more than 30% of travellers prefer a vacation rental to a hotel stay. Maybe you’re packing up the car in Canada and headed to the United States for a beachside vacation rental, or perhaps you would rather stay in a treehouse and be surrounded by the scenery of Nicaragua’s lush foliage. Either way, it helps to always be prepared for the unexpected, and you may want to protect your adventure with World Nomads Travel Insurance for your trip staying in vacation rentals. Our adventure travel insurance plans include a range of benefits that could help with everything from stolen gear to unexpected medical expenses.
Why should I consider travel insurance when staying in a vacation rental?
Unexpected issues can mess up even the most carefully planned trips. If the stairs are too steep and you take a tumble in your vacation home or if a destructive storm causes you to miss a connection, keeping you from reaching your dream accommodations, travel insurance to cover your nonrefundable, prepaid, commercial vacation rentals may help you bounce back quickly with support for medical and travel emergencies, delays, and disruptions. With coverage that is flexible to your needs, it’s a smart way to travel confidently when you’re staying in a vacation rental.
Nomads tip: World Nomads Travel Insurance can also cover your travels within Canada! Your Government Health Plan is limited once you leave your province. Your travel insurance plan can protect your domestic travels outside of your home province too.
Travel insurance when staying in a vacation rental: What may be covered?
Hopefully, the worst thing that happens to you at your vacation rental is running out of free snacks too quickly. Since unexpected situations can happen though, we've designed our plans to include travel insurance for our trips when you stay in a vacation rental.
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Emergency Medical Expenses
For injuries that happen when staying in a vacation rental -
24/7 Emergency Assistance
Available 24/7 to assist in an emergency situation -
Baggage & Gear Coverage
Damaged or stolen gear or luggage that is lost -
Trip Delays, Interruptions & Cancellations
A money-saver if inclement weather keeps you from traveling and staying in the vacation rental you booked
Get a quote and compare the plans to see which level of coverage is right for you.
What level of travel insurance coverage do I need if I’m staying in a vacation rental?
World Nomads offers four plans for Canadian residents – the Standard, Explorer, Epic and Annual Multi-Trip – each with different levels of coverage.
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
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Ideal for: Coverage Includes:
Covering the basics for your trip. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Optional 'Cancel for Any Reason' available. Get a quote |
Ideal for: Coverage Includes:
Get a quote |
When you’re not lounging around poolside at your vacation home, you’ll probably be doing other things like hiking or kayaking. That’s totally fine, because there are over 250+ sports, activities and experiences that could be covered when you purchase travel insurance for trips when you are staying at a commercial vacation rental. Costs may vary depending on the additional activities you list.
If you are planning to participate in an activity that isn’t listed in our policy wording, you will need to contact us to determine if you will be covered.
Nomads tip: Get a quote and choose your plan first, then the system will prompt you to add the activities you plan to do. Make sure you list them all; you won’t be able to make changes once on your trip.
Coverage for 250 activities you love + more
What may not be covered when staying in a vacation rental?
If you leave the burner on and the kitchen catches on fire, your travel insurance won’t pay for those damages. It’s up to you to make sure you take care of the home while you’re there. Some other things that aren’t covered include:
- Baggage, gear or personal items left unattended
- Furniture or any other items that are part of the vacation rental
- Alcohol and drug-related incidents and illegal activities
- Not following government ‘Do Not Travel’ advisories issued by the Canadian government
- Staying in a vacation rental within your home province
- Participation in other activities not listed as covered in your policy
Top safety tips we recommend for staying at a vacation rental
- Book vacation rentals through reputable, secure websites to make sure your payment information is protected.
- Make sure the vacation rental has smoke and carbon monoxide detectors (and make sure they’re working.) Consider bringing your own portable carbon monoxide detector if the rental doesn’t list having one.
- Have a first-aid kit available. Bring one along with you just in case there’s not one in your vacation rental.
- Have emergency contact information for your host.
- Check with the Public Health Agency of Canada to see if they have issued any travel health notices for the destination where your vacation rental is located.
- Register with Canadians Abroad to stay updated on emergency situations.
- Save a copy of your vacation rental travel insurance documents in your phone. Have the phone number for the 24/7 Emergency Assistance team easily accessible as well.
FAQ
Here are our most frequently asked questions about cover for vacation rentals. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Is staying in a vacation rental covered under World Nomads Travel Insurance?
Yes, you can cover your prepaid, non-refundable, commercial vacation rental under both plans offered by World Nomads Travel Insurance. There are also 250+ sports, activities and experiences that may be covered.
When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. Costs may vary depending on the additional activities you list. If you aren’t sure if something is covered, we suggest you contact us to ask.
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What types of incidents are covered while staying in a vacation rental?
If your trip is delayed or interrupted due to an unforeseen event, you may be able to recover your non-refundable, prepaid travel expenses (up to the policy limits), and this could include unused, prepaid, non-refundable accommodations that you paid for in advance. If you get hurt while staying in a vacation rental and require medical assistance, emergency medical coverage could come in handy in the case of an unexpected injury. You could also be covered for unplanned situations such as lost bags or Canadian government travel advisories advising travellers not to travel to a destination on your itinerary.
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Can I get coverage after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan online anytime, from anywhere in the world. If you buy a plan after departing from your home province, you won’t be covered for any loss or expense related to any injury or sickness that occurs in the 48-hour period after your departure date.
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Does World Nomads offer travel insurance for trips staying in vacation rentals overseas?
Yes, some of the best vacation rentals are outside of Canada and World Nomads doesn’t want to limit your fun. For example, if you have travel insurance for Italy, you could have the opportunity to stay in a rustic villa in a vineyard. When you get a quote for travel insurance for trips when staying in a vacation rental, you’ll need to input where you’ll be travelling.
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What should I do if I get hurt while I’m at a vacation rental?
You can contact the 24/7 Emergency Assistance team and they can help direct you to nearby medical facilities. They can also translate for you if you’re travelling outside Canada and your medical team doesn’t speak English or French. Make sure you keep all documentation including doctor reports, invoices, etc. You’ll need those things if you plan to make a claim.
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Does World Nomads Travel Insurance cover other activities during my trip?
Yes, you could be covered for more than 250+ sports, activities and experiences. Things like hiking, biking, and swimming could all be covered. When you purchase your policy, you’ll need to list all of the activities that you plan to participate in while on your trip. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you’re participating in an activity and not sure if it’s covered, you can contact us and ask.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is available on all four plans offered by World Nomads, and you could be reimbursed for pre-paid, unused, non-refundable expenses like flights, tours and vacation rentals if your trip is cancelled for a covered reason. If you want ultimate flexibility to simply change your mind about your trip, you may be able to get optional ‘cancel for any reason’ coverage as well.
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What happens if my bags are delayed?
If your checked-in bags are delayed more than 12 hours on the way to your destination, your plan could reimburse you for the cost of (up to the policy limits) essential items like toiletries and a change of clothes until you and your bag are reunited.
Need destination inspiration for cool vacation rentals around the world?
Do you love unique accommodations? There are plenty of great spots around the world that have amazing vacation rentals. Check out a couple of our favorite locations and get destination-specific travel insurance tips to help you plan with confidence.
The Caribbean: Bungalows on Royal Island
United States: A treehouse with free-roaming alpacas in Atlanta
This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Insurance protection for your hard earned vacation in the event of unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- AMT Plan: $10,000
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Standard Plan: $250,000
- Explorer Plan: $500,000
- Epic Plan: $750,000
- Annual Plan: $500,000
Emergency Evacuation & Repatriation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Gear & Baggage Protection
Coverage for the theft, damage or delay of your bags, tech and sports gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $5,000
- Annual Plan: $2,000
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
Protect your health
- Emergency Medical & Dental Expenses
- Emergency Evacuation and Repatriation
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Return of Remains
- Return of Travel Companion/Dependent Children
Protect your trip
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Exchange (Explorer, Epic or AMT)
- Rental Vehicle Damage (Explorer, Epic or AMT)
Protect your stuff
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services
- 24/7 Worldwide Emergency Medical Assistance
- Worldwide Travel Assistance
- Personal Security Assistance
- Adventure Traveller’s Hotline
- Bag Trak
Before your trip, check the latest government advice for any travel alerts for your destination.