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Long-term Travel Insurance

Looking to travel for more than a week or two? Canadian travellers taking extended trips may be covered for trips up to 365 days

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At a glance

  • Plans that fit your travel style: World Nomads offers travel insurance for single trip and annual multi-trip plans for Canadian residents
  • Longer adventures, covered: Single trip plans offer coverage for trips that are up to 365 days 
  • Year-round coverage for frequent travellers: Annual Multi-Trip plans may offer coverage for all trips outside of your home province over a 365-day period, but the maximum length per trip is 14 days
  • Well-rounded protection on the road: Coverage for emergency medical expenses, trip cancellation, lost bags, natural disasters, and more may be included (up to the maximum limits shown in your policy documents) 

Why should I get long-term travel insurance?  

Planning an extended trip? World Nomads offers long-term travel insurance designed for adventurous Canadians exploring the world. Our plans offer a variety of benefits suited for all types of travellers, including digital nomads, students on a study abroad program, families taking long holidays overseas, and new retirees heading out to explore their newly found freedom. The longer you’re travelling, though, the more potential you have for unexpected situations to occur.

Whether you’re travelling for several weeks or up to 365 days on a single trip, our plans may help protect you along the way – even if your journey includes adventure activities like hiking, cycling, or scuba diving. You may be covered for overseas medical emergencies, trip interruptions, lost bags and stolen personal items, and more.

Exclusions  

  • Pre-existing conditions, as outlined in your policy documents 
  • Incidents related to drug or alcohol use
  • Non-emergency treatment that can wait until you return home
  • Lost, stolen, or damaged items related to your profession or occupation
  • Injuries or sickness that occurs in the 48-hour waiting period if you purchase a policy after you leave your home province 
  • Trips longer than 14 days if you have the Annual Multi-Trip Plan 
  • Trips longer than 365 days if you have the Standard, Explorer, or Epic plans
  • Situations outside of the limits, terms, and conditions of coverage stated in your policy documents

Maximum Length of Trips Covered

Standard PlanExplorer PlanEpic PlanAnnual Plan
Trips up to 365 Days

Get a quote		 Trips up to 365 Days

Get a quote		 Trips up to 365 Days

Get a quote		 Trips up to 14 Days

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Maximum Limits

Standard PlanExplorer PlanEpic PlanAnnual Plan

Emergency Medical Expenses: Up to $1,500,000 CAD 

Trip Cancellation: Up to $2,500

Lost, Damaged or Stolen Bags: Up to $1,000, per item limit of $500



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Emergency Medical: Up to $5,000,000 

Trip Cancellation: Up to $10,000

Lost, Damaged or Stolen Bags: Up to $2,000, per item limit of $1,000



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Emergency Medical: Up to $10,000,000 

Trip Cancellation: Up to $15,000

Lost, Damaged or Stolen Bags: Up to $5,000, per item limit of $1,500



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Emergency Medical: Up to $5,000,000 

Trip Cancellation: Up to $10,000

Lost, Damaged or Stolen Bags: Up to $2,000, per item limit of $1,000



Get a quote

You must be covered by your Government Health Insurance Plan (GHIP) for the full duration of your trip. If travelling outside your home province for more than 183 days (212 for Ontario and Newfoundland residents), you must get written evidence of extension from your GHIP. If you don't, your total limit for all emergency medical expenses is limited to $40,000.

Compare all benefits and plans

Questions to Ask When Choosing a Long-Term Travel Insurance Plan for Extended Trips  

Maybe you’re one of 7,500 Canadian students who travel abroad to study in the U.K., or perhaps you’ve just retired and want to travel the world. Depending on the reason for your long-term trip, there may be different things you want to consider.

World Nomads offers single trip and annual multi-trip plans for Canadian residents, and when you get a quote for travel insurance, you’ll see multiple options. It may be tempting to consider the cheapest coverage option without reading the plan wording.

However, you’ll want to pick the plan that has the best travel insurance coverage for long-term trips, and offers the level of coverage you’ll need for your particular trip.

When deciding which plan is best for your trip, you might want to ask yourself:

  • How long will I be gone on my trip?  

If it is over 14 days, you may want to consider the Standard, Epic, or Explorer plan. Those plans may cover trips up to 365 days. Although the Annual Multi-Trip Plan covers all of your trips outside of your home province for up to 14 days, it is limited to trips that are 14 days or less.

  • How much did I spend on my trip?  

Long-term trips are usually more expensive, so look at the total you’ve invested in your vacation and then compare that to the maximum limits in the plans. If you spent a lot of money on your trip, you may want to consider the plans that have the highest maximum limits of coverage – the Explorer and Epic plans. 

  • What kind of activities will I be doing while I’m travelling?  

Level 1 activities are covered automatically as long as you list them when buying, but if you’ll be participating in a Level 2 or Level 3 activity, you’ll need to upgrade your plan and pay the additional premium.

  • Do I think there’s a possibility that I may decide not to go on my trip?  

Trip cancellation coverage only covers certain reasons for cancellation. If you think you may change your mind, you may want to consider adding on the optional ‘Cancel for Any Reason’ coverage.

If you have any questions about what is covered, you can contact us and ask. Our team will be happy to assist.

FAQ

Here are our most frequently asked questions about cover for long term travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Do I still need to have a Government Health Insurance Plan?
    Canadians may be covered for trips lasting up to 365 days under a single-trip plan, but you must be covered by your Government Health Insurance Plan (GHIP) for the full duration of your trip. If you are travelling outside your home province for more than 183 days (212 for Ontario and Newfoundland residents), you must get written evidence of extension from your Government Health Insurance Plan. If you do not have GHIP for the full duration of your trip, your total limit for all emergency medical benefits will be $40,000.
  • Is long-term travel insurance the same as expat or international health insurance?
    No. Long-term travel insurance is designed for travellers on extended trips who still consider another country their primary residence. Long-term travel insurance may cover unexpected events only, whereas expat or international health insurance may cover more routine health issues. Expat or international health insurance is for those relocating abroad permanently or for an extended period of residency. If you’re unsure which suits you, check your travel plans and duration before purchasing.
  • Can I buy long-term travel insurance after I’ve already left home?

    Yes! With World Nomads, you may be able to buy a long-term travel insurance plan even after your trip has started. As long as you have an internet connection, you can get a quote and purchase coverage. If you buy a World Nomads plan while travelling, waiting periods and conditions may apply. There is a 48-hour waiting period before you have emergency medical coverage for injury or sickness. Also, after an event has occurred, like a natural disaster, you can’t be covered for that specific event. New events may still be covered, but if you’ve bought your policy after a storm is named we won’t be able to cover you for losses related to that storm.

  • Which travel insurance plan should I get if I’m going on a long trip?

    All of the single trip plans offered by World Nomads may cover long-term trips that are up to 365 days in length. If you’re taking a trip that is more than two weeks long, you’ll want to consider the Standard, Explorer, or Epic plan. The annual multi-trip plan covers more trips (including all trips outside of your home province in a 365-day period), but it doesn’t cover trips that are over 14 days.

    When you get a quote, you’ll be able to compare the coverage and maximum limits of each plan side by side. We encourage you to think about all of the activities you’ll be participating in, as well as how much you’ve spent on your trip. If you have any questions about anything, reach out to our team and they’ll be happy to assist.

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
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Help take the pain out of medical or dental costs.

  • Standard Plan: $1,500,000
  • Explorer Plan: $5,000,000
  • Epic Plan: $10,000,000
  • Annual Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly 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
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

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
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

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
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.