Travel Insurance Coverage for Road Trips
US Residents Can Protect Their Road Trips, Both Domestically and Internationally
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At a glance:
- Travel insurance coverage for road trips can give you backup for delays, medical emergencies, or mishaps far from home—so you can enjoy the journey and help not stress the what-ifs.
- If you're cruising Route 66 or navigating winding roads abroad, insurance may help you stay prepared for the unexpected.
- Road trips come with their own risks—rental car damage, trip interruptions, and more. Travel insurance coverage can help protect your plans and your wallet.
- 24/7 Emergency Help: Get support anytime, anywhere, if you run into trouble during your road trip.
- From quick weekend getaways to cross-country or international adventures, there’s a plan built to match your road trip style.
- Why should I consider travel insurance for my road trip?
- What travel insurance coverage and non-insurance services are offered by World Nomads for road trips?
- What level of travel insurance coverage do I need for my road trip?
- What may not covered by the travel protection plan I buy for road trips abroad?
- Top safety tips we recommend for your road trip
- FAQs
From spontaneous detours to unexpected delays, road trips may not go exactly as planned. Travel insurance coverage helps you hit the road with more confidence, knowing you’ve got backup if the unexpected happens.
Why should I consider travel insurance for my road trip?
Whether you're road tripping across the U.S. to explore national parks or renting a car abroad to drive through winding European countrysides, unexpected detours can happen. That’s why travel insurance for road trips can be worth considering—it’s designed to protect you from bumps in the road that go beyond flat tires. From trip interruptions to emergency medical needs far from home, travel protection plan for road trips offers peace of mind so you can focus on the open road ahead, not the what-ifs. Whether domestic or international, your road trip deserves the same level of planning as any other adventure.
What travel insurance coverage and non-insurance services are offered by World Nomads for road trips?
World Nomads Travel Insurance for US residents may cover a range of unexpected problems you could face on and off the road. Plans may include:
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Emergency Medical Expenses
Even a minor medical emergency could result in several medical expenses. -
Non-insurance Emergency Assistance
Whether you are stranded in the middle of nowhere, or need a referral for roadside assistance, the 24/7 team is available to assist in an emergency situation -
Rental Car Damage Coverage
Protection for scrapes, dents and major damage your rental car may incur. Only included in the Explorer, Epic & Annual plans. -
Trip Cancellation
Reimbursement of pre-paid, unused, non-refundable expenses like flights, tours and accommodations if you’re unexpectedly too sick to go on your road trip
NOMADS TIP: Depending on the plan purchased, consider the optional ‘Cancel for Any Reason’ benefit for added flexibility and protection for shifting plans. Optional benefits come at an additional cost; CFAR not available in NY.
At World Nomads Travel Insurance, we know your road trip is more than just the drive. You’ll be making lots of stops, having fun along the way. That’s why our plans include travel insurance and non-insurance services for losses relating to over 250+ other adventure sports and experiences – from jungle hikes and scuba dives to zip-lining and rock climbing. We offer four travel protection plans with different levels of insurance coverage to suit your trip style, budget, and adventure level. Check out our activity list and ensure you pick the plan that covers everything you plan to do. *All coverage is subject to plan terms and conditions. Be sure you read and understand your plan documents. Any questions, just ask!
What level of travel insurance coverage do I need for my road trip?
The right travel insurance and non-insurance services for your road trip depends on your trip style:
- Standard Plan – Great for families or budget travelers doing short domestic road trips
- Explorer Plan – Ideal for adventure-filled trips with optional CFAR benefits
- Epic Plan – Suited for luxury or once-in-a-lifetime road trips abroad with optional CFAR benefits
- Annual Plan – Perfect for frequent road trippers, digital nomads, or remote workers
Use the quote tool to compare maximum benefit amounts and customize coverage for your specific needs. Optional coverages come at an additional cost.
Get a travel insurance quote
Simple and flexible travel insurance. Buy at home or while traveling, and claim online from anywhere in the world.
Get a quote
What may not covered by the travel protection plan I buy for road trips abroad?v
- Pre-existing medical conditions, unless you purchased your plan within the time-sensitive period and are eligible for the Pre-Existing Medical Condition Exclusion Waiver.
- Fancy Vehicles: Check your plan carefully as some vehicles are not covered, including luxury cars, camper vans and RVs.
- Incidents that are a result of being under any sort of intoxication or influence.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment and musical instruments.
Top safety tips for your 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 plan.
- Have your GPS handy and bring back-up directions (such as a printed map!).
FAQ
Here are our most frequently asked questions about cover for road trips. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team
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Do I need travel insurance coverage for a road trip in the USA?
Travel insurance for road trips in the USA is a good way to prepare for unexpected disruptions. From emergency medical expenses to trip cancellations to rental car damage coverage, the right travel insurance coverage for your road trip can help you reimburse costs and get back on track when things don’t go as planned. It’s especially helpful when you’re far from home, navigating unfamiliar roads or destinations.
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What does road trip travel insurance typically cover?
Travel protection plans for road trips may include coverage for emergency medical treatment, rental car damage, trip cancellation, and 24/7 non-insurance emergency assistance. All could be very helpful if the unexpected happens abroad or even domestically. Some plans even offer optional add-ons like Cancel for Any Reason (CFAR) for added flexibility. Rental car damage protection is only available in the Explorer, Epic and Annual plans.
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Can rental car damage be covered under my travel protection plan for road trips?
World Nomads’ Explorer, Epic, and Annual Plans offer rental car damage coverage. This may protect you from out-of-pocket costs if your rental car gets scratched, dented, or seriously damaged. Always check your plan details to make sure your vehicle type and country of travel are covered. Not all luxury or off-road vehicles are eligible for benefits.
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Can I buy travel insurance for an international road trip?
Absolutely. Whether you're renting a camper van in New Zealand or driving through the Alps, travel insurance coverage for international road trips provides crucial support. Protection plans can include medical coverage abroad, trip interruption protection, and assistance in emergencies. Just make sure your rental vehicle type and destination country are eligible under your policy.
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What’s not covered by travel insurance on a road trip?
Travel insurance for road trips may not cover:
- Pre-existing medical conditions (unless a waiver applies)
- Certain vehicle types like RVs, motorcycles, and luxury cars
- Incidents involving being under the influence of drugs and alcohol
- Unattended valuables left in your vehicle
- Personal gear like bikes (unless checked into a common carrier)
Always review your plan details and exclusions before hitting the road.
Need destination inspiration?
Already mapped your route? Awesome. But if you’re still dreaming up your next great drive—or just want a little inspiration between gas stops—check out some of our favorite road trips and tips. From iconic highways to hidden backroads, you might just find your next unforgettable adventure.
20250728-4686269. This is not a full list of what is and isn’t covered, so please check your plan document for a full list of maximums, terms, conditions, limitations and exclusions that may apply to your state 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. Exclusion applies to Adventure or Extreme Activities.Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation.
- Standard Plan: $2,500
- Explorer Plan: $10,000
- Epic Plan: $15,000
- Annual Plan: $5,000
Trip Protection
- Work emergency?
- Weather delay?
- Travel companion sick?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Standard Plan: $125,000
- Explorer Plan: $150,000
- Epic Plan: $250,000
- Annual Plan: $100,000
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Evacuation
We'll provide assistance to get you to the hospital or home quickly.
- Standard Plan: $400,000
- Explorer Plan: $500,000
- Epic Plan: $700,000
- Annual Plan: $100,000
Emergency Evacuation
- Ambulance transfers
- Medevac flights
- Medical escort services
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear.
- Standard Plan: $1,000
- Explorer Plan: $2,000
- Epic Plan: $3,000
- Annual Plan: $2,000
Protect your gear
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
Help starts here.
The amounts listed represent the maximum benefit amount.
Protect your health
- 24/7 Emergency Assistance Help Line
- Emergency Medical & Dental Expenses
- Emergency Evacuations
- Bedside Companion Travel
- Emergency Medications
Protect Your Trip
- Trip Cancellation
- Optional Cancel for Any Reason (Explorer or Epic)
- Trip Delay & Trip Interruption
- Missed Connection (Explorer or Epic)
- Rental Car Damage (Explorer, Epic or Annual)
Protect Your Stuff
- Baggage Delay
- Passport and Visa Loss
- Lost or Stolen Bags
- Personal Tech, Equipment & Gear
- Baggage Return After Evacuation
Non-Insurance Services
- Medical & Non-Medical 24/7 Emergency Assistance Line
- Translators Available
- Pre-Departure Telehealth Services
- Portable Health Records
- Delayed or Lost Baggage Tracking and Delivery
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 24/7 Emergency Assistance:
Telephone:
+1 954-334-8143 (Collect outside the US)
+1 877-289-0968 (Toll-free in the US and Canada
Before your trip, check the latest government advice for any travel alerts for your destination.