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Travel Insurance for road trips

Whether you’re embarking on a cross-country adventure or taking the coastal route, don’t start your road trip without considering travel insurance

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One of the best things about road trips is the freedom to explore at your own pace, an on our own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.

Trip cancellation

Anything from falling ill to jury duty can prevent you from taking your trip. With this coverage, you may be able to recuperate your pre-paid, non-refundable deposits.

Emergency medical

Safety is a priority when you’re getting behind the wheel and traveling to new destinations. A trip protection plan can buffer the hazards of being on the road.

Rental car insurance

Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. World Nomads' Explorer plans offer damage collision waiver coverage.

Emergency Assistance

If you’re in a crisis, whether you’re stranded in the middle of nowhere or need urgent medical attention, our Emergency Assistance team is available 24/7 in whatever part of the world you’re traveling.

Trip interruption and delay

You may need help getting your trip back on track when you encounter problems, whether that be a sudden illness, or an incident caused by bad weather.

Baggage and personal belongings

If thieves get into a locked car or break into your hotel room, you can make a claim for a replacement or a reimbursement of your stolen items.

Hitting the road? Get your travel insurance sorted with World Nomads

Road trips are a great way to experience local culture, see sights off the beaten track and immerse yourself in your travel destination. But there can be a lot of unknowns driving in an unfamiliar place and it pays to research and plan ahead.

Good News: World Nomads can cover your road trip

One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Our Travel insurance is designed by travelers for travelers, and our policies can cover some key benefits to make sure you’re protected on the open road.

Choosing the right policy for you

We offer two plans – Standard and Explorer – each offers different levels of coverage. It is up to you to choose what plan has the right level of coverage to meet your travel needs and that matches your specific plans.

What are the benefits of travel insurance for road trips?

One of the best things about road trips is the freedom to explore at your own pace, on your own terms. Travel insurance is designed for many modes of transport, but there are specific reasons why it’s important for road trips.

Sudden trip cancellations

Anything from an unexpected illness, an accident or a call to do jury duty can prevent you from taking your trip. Trip cancellation coverage may help you recuperate your pre-paid, non-refundable trip deposits when an emergency happens.

Unexpected medical emergencies on the road

Your health and safety are a priority when you’re getting behind the wheel and traveling to new destinations. Many health insurance plans won’t cover you when you’re a certain distance from home or when you’re using out-of-network providers, so a travel insurance plan can make up for the gaps in emergency medical coverage. If your injuries are beyond minor bumps and scratches, you may need to check into a hospital. Our plans include emergency evacuation coverage for ambulances or transfers to an appropriate facility. Be sure to check the maximum benefit amount specified in your policy.

Rental car insurance for vehicle damage

Car breakdowns and traffic accidents can put a dent in your wallet (as well as your car) if you don’t have vehicle coverage. World Nomads’ Explorer plans offer a damage collision waiver, so that you can head out on the road with the protection you need. Check the details of your plan for restrictions on vehicle types: RVs, motorbikes, and luxury-model cars may not be covered.

Emergency assistance at any hour of the day

When you’re in an unfamiliar place, it’s hard to know where to go for help. When you buy a World Nomads plan, you’ll have access to our 24/7 Emergency Assistance team to support you in a crisis. Whether you’re stranded in the middle of nowhere, need urgent medical attention or a referral for roadside assistance, our Emergency Assistance team can facilitate a range of services in whatever part of the world you’re traveling

Road trip interruptions and delay

It’s a shame to make a big trip investment only to lose everything if an incident throws a wrench in your plans.  Trip interruption coverage can help salvage your pre-paid, non-refundable trip expenses that you’ve had to forfeit because of a covered event that has disrupted your travels. 

You may also need help getting your trip back on track. If you get delayed, you may need a hotel or a meal as you catch up to your itinerary. Check your policy for any conditions you need to meet: your delay might need to be a certain number of hours or be caused by a covered reason. 

Protection for stolen belongings and baggage

If you get robbed while driving or exploring your destination, you may have coverage for your stolen belongings and baggage, up to the limits listed in your policy. But it’s important to note that theft from an unattended vehicle, even if locked, is not covered. So make sure you keep your valuables with you or locked in your hotel safe.

Coverage for more than 200 activities, sports and experiences

Road trips give you the flexibility to expand your adventures. Our policies cover more than 200 activities, sports and experiences including hiking, camping and surfing.

If you’re not sure whether the activity you want to do is covered, or have any questions about your policy, just ask us.

What are the exclusions of travel insurance for road trips?

  • Pre-existing conditions, including illness, disease or other medical condition for which you’ve previously shown symptoms or been treated for prior to your coverage starting. Read your policy for more details.
  • Fancy Vehicles: The Explorer plan offers coverage for rental car damage, but not for high-end cars, camper cars or RVs.
  • Incidents that are a result of acting irresponsibly under any sort of intoxication or influence.
  • Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.

Handy tips for a safe and fun road trip 

  • Be sure to drive to the conditions – take your time, especially on unfamiliar roads.
  • Don’t ever drink alcohol and drive - not only is it extremely dangerous but it could invalidate your policy.
  • Don’t leave valuable items in the car, even for a short time.
  • Have your GPS handy and bring back-up directions. 

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

 

Car theft in South Africa

We parked a rental car in the parking lot of a restaurant in Haut Bay, an area of Cape Town. After eating dinner, we returned to the car to find that a window had been broken and anything within easy reach had been stolen. Luckily for us, we had been smart enough to bring our very expensive camera inside the restaurant with us, only leaving behind the case and an extra lens.
U.S. Nomad

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
  • Unexpectedly hospitalized?
  • Weather delay?
  • Travel companion sick?

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 medication?
  • Suddenly sick?
  • Accidentally injured?

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
  • Hurt abroad?
  • Medevac home?
  • Need an ambulance?

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

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.

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. 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.

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