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Travel Insurance for extended trips

Discover how World Nomads can protect US residents on long-term adventures.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

Often the best adventures have no end date … that’s why World Nomads has designed flexible travel insurance policies for all types of travelers. If you're looking to travel for more than a week or two, we have travel insurance* that can keep US residents covered for up to 180 days on a single trip. We also offer an Annual travel insurance plan which can cover multiple trips per year, with each trip being up to 45 days in length.

What can travel insurance cover during a long trip?

Our plans come with loads of benefits, depending on the plan you buy. Whether you’re going on a long trip or a short trip, all of our plans may provide cover for:

Our travel insurance plans are designed by travelers for travelers, and we cover more than 250 activities, sports, volunteer and work experiences, including skiing, hiking, scuba diving and more.

Who might want to buy travel insurance for a long trip?

Travelers of all ages might be interested in purchasing a long term travel insurance plan. Here are a few examples:

  • College students going on study abroad who want to travel in between quarters or semesters.
  • Digital nomads making the most of work and play.
  • New retirees heading out to explore the world with their newfound freedom.
  • Families traveling for the summer holidays.
  • Spontaneous travelers (the Annual travel insurance plan might be right for you!)

How long can I travel with long term travel insurance?

Our policies are designed to be flexible … we’re nomads after all! We offer long-duration policies and allow travelers to extend their cover or buy more cover while they’re on the road.

US travelers can buy a World Nomads travel insurance single-trip plan with a maximum duration of 180 days. If you purchase the Annual Plan, you can travel as much as you want with the maximum consecutive trip time of 45 days.

When you get a quote, you can compare our four single trip plans, and one annual travel insurance plan to see which will be best suited for your trip.

What if I don’t know how long I want to travel for?

If you’re planning on exploring the world for a while, but you don’t know how long you’ll be gone for, don’t fret. You have a couple of options to ensure you’re covered while you’re away:

  • Purchase a new plan: If your plan has expired, you can purchase a new one while you’re still traveling. Just note your coverage takes effect at 12:01 a.m. local time the day after you purchase your plan. Your plan wording will have full details to understand the cover, limits and exclusions.
  • Purchase and track your plans with your World Nomads membership: A free membership gives you access to all of our great content and safety advice. And if you buy insurance with us, your membership allows you to manage and view multiple policies in one place online, making it easy to buy more plans as needed, and access online claims forms. Make sure you log-in before purchasing each new plan.
  • Consider the optional “Cancel for Any Reason” benefit: It’s unfortunate, but it happens: You plan a big trip months in advance, only to have something come up that is now stopping you from going. The trip cancellation benefit may help recover some of the expenses, but a certain qualifying event would have to happen (sickness, natural disaster, etc.) But what if your dog is sick or you break up with your partner or you get a new job? Instead of losing all the money you put down, consider adding on the “cancel for any reason” benefit to your Explorer or Epic travel insurance plan during the time-sensitive period to protect those long trips (and big investments!).

What’s not covered by travel insurance?

All travel insurance plans have exclusions and limitations. Here are some of ours – we won’t provide cover for:

  • Anything illegal (you didn’t really think we’d cover that did you?) Be sure to respect the local laws those of your host countries.
  • If you've taken drugs or overindulged in alcohol.
  • Routine medical treatment (remember it's not regular health insurance; it's for medical emergencies).
  • Ongoing treatment at home.
  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase.
  • Cancelling your trip due to fear of travel or just changing your mind (unless you purchased the ‘cancel for any reason’ benefit).
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.

A True Claims Story

Never travel without insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
L.D.
U.S. resident in Spain

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: $125,500
  • 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
  • Runway Health
  • FootprintID
  • Blue Ribbon Bags
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefits limits may vary depending on the plan chosen. Check the plan documents for full details.

We cover 200 activities you love + more

Snow 42 activities
Water 56 activities
Air 31 activities
Land 80 activities
Sports 80 activities
Experience 11 activities
  • Scuba diving
  • Mountain biking
  • Surfing
  • Bungee jumping
  • Skiing
Blue activities are included in All Plans. Orange and blue activities are included in the Explorer Plan. Orange, blue and purple activities included in the Epic 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

FAQ

Here are our most frequently asked questions about extended trips and travel insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team

  • What if I get sick while traveling?
    What if I get sick while traveling? If you’re injured or get sick while you’re traveling,, you could be covered for: hospital stays; emergency out-patient treatment ; prescribed medicines, X-rays, and laboratory tests; and medical evacuation, if a necessary part of your treatment.
  • Can I extend my policy?
    Technically, you can’t extend your policy, but you can purchase another policy if you need additional coverage.
  • What if I need to end my trip early?
    • You may be eligible for our trip interruption benefit [link] if you need to end your trip before originally planned. However, you won’t be able to get a refund on the unused portion of your policy. If you run into an emergency, please call our 24/7 Emergency Assistance team.