If you have multiple trips planned this year, an annual travel insurance plan could cover them all.

What do you do when you can’t decide between surfing in Costa Rica, going on a safari in Africa, or exploring the ancient ruins of Greece? If you’re anything like us, you book all three!   

Sometimes we like to throw in some fun getaways closer to home too. There’s so many great things to explore here in the US - like taking a scenic drive through the Blue Ridge Mountains or exploring Arizona’s Sonoran Desert.   

We’re booking multiple trips each year, and we know you may be too. No matter where you’re headed, and what you’re doing though, there’s always a chance of unexpected circumstances that can ruin your plans. Our nomads have dealt with everything while traveling - from broken legs, stolen iPhones, family emergencies back home, and more. None of those things are fun to deal with, but being covered by a good travel insurance plan* could help with those types of situations. If you’re a nomad who is roaming the world and you have multiple trips planned throughout the year, you may want to consider an annual travel insurance plan.  

What is an Annual Travel Insurance Plan?    

The World Nomads Annual Plan allows travelers to cover multiple trips over a 12-month period. It’s designed for frequent travelers, weekend warriors, digital nomads, festival and event enthusiasts, and adventure junkies (like us!). You purchase just once and it covers an entire year’s worth of fun! There is no limit on the number of trips taken within a year, but the max length per trip is 45 days.  Please note that the Annual Plan is not available for residents of Missouri, Montana, New York or Washington State.

Some of the benefits included in the World Nomads Annual Plan include:  

Adventure Activities: World Nomads covers more than 250 activities for US residents and you could be covered for things like scuba diving the Great Barrier Reef and roadtripping to all of your favorite National Parks.     

Trip Cancellation: If you get sick before you depart for your trip and your doctor tells you not to travel, you’ll have to cancel it. If something like this happens, trip cancellation coverage may reimburse you for non-refundable, prepaid expenses like airfare and hotel accommodations. If you cancel your trip for a covered reason, your annual travel insurance plan could cover you for up to 100% of the non-refundable trip costs, up to a maximum of $5,000 per individual coverage term.   

Emergency Medical Expense: If you get sick while or injured while you’re traveling, you may have to get emergency medical care. Depending on where you are in the world, your US health insurance plan may or may not be accepted. Your annual travel insurance includes medical expense coverage up to $100,000 per trip, and you could be reimbursed for things like x-rays, prescriptions, and hospital visits.  

Emergency Medical Evacuation & Medical Repatriation: If you get hurt while hiking in a remote jungle, you may find limited medical services available. Emergency Medical Evacuation may help you get transported to a place where medically necessary treatment is available. This can even mean air transport, which could be lifesaving. In some cases, it will be best for you to return to the US for continued care. The Medical Repatriation coverage may help get you there. These coverages will need to be pre-approved by the 24/7 Emergency Assistance Team. 

Baggage Delay: If your bag is delayed for more than 12 hours on the way to your destination, your coverage could help reimburse for things like toiletries or a change of clothes until you are reunited with your bag. Maximum Benefit Amounts apply, and you can learn more in your Summary of Plan Benefits.    

Rental Car Damage: What happens if you rent a car while traveling and then get into a wreck or it gets stolen? Your Annual Plan may help cover the cost to repair the vehicle due to covered reasons, all of which must be beyond your control. Certain cars are not eligible, like luxury or off-road vehicles.   

Some other benefits included in the Annual Plan:  

Trip Interruption  

Trip Delay  

Natural Disaster Evacuation  

The Annual Plan also includes the same non-insurance benefits as the other travel insurance plans offered by World Nomads. These include:  

  • Service from Blue Ribbon Bags that helps reunite you with your delayed and lost checked luggage  
  • Pre-trip medical support from Runway Health and FootprintID  
  • 24/7 Emergency Assistance to support you in your travels 

When you get a quote for annual travel insurance, you’ll be able to learn more about the coverage in your Summary of Plan Benefits. If you have questions, feel free to contact us anytime.     

How is the 45-day trip limit calculated?  

The important thing to remember about the Annual Travel Plan is that this is not meant to be used as health insurance overseas. This is not meant for expats living abroad; it’s meant for digital nomads, festival goers, thrill seekers, culture lovers, and eager explorers. So how do we calculate the 45 days? You must either return home after the 45 days or have another trip booked (with documentation to prove it) right after.

Is an Annual Multi-Trip Travel Insurance Plan worth it?  

Before you get a quote for travel insurance, think about your travel plans for the next year. Maybe you’re planning to go skiing in the Rockies in winter, celebrate Spring Break in Mexico, and take a summer vacation in Europe. Or maybe you’re more of a spontaneous traveler and don’t have all of your year’s trips planned yet. That’s ok too - we also like to keep our calendar open and jump on those last minute travel deals. If you think you’ll be taking multiple trips throughout the year though, the annual travel insurance plan may save you money instead of insuring each of those trips separately.   

Aside from the financial benefits you may see, this plan may also save you time. Once you purchase your annual travel insurance plan, you’re set for the year. While you’ll still have to book hotels and search for airline tickets for each of your adventures, you won’t have to get a quote for travel insurance each time you book a trip. That will be one thing you’re able to cross off of your travel planning to-do list.    

What isn’t covered by an Annual Multi-Trip Plan?  

There’s a lot that is covered with the annual travel insurance plan offered by World Nomads, but there’s some things that aren’t covered. If you’re a snowbird leaving New York and headed to Florida for the entire winter, we’re totally envious of you, but you may not be covered. The annual travel insurance plan doesn’t cover trips longer than 45 days. A few other things that wouldn’t be covered include:   

  • Pre-existing conditions  
  • Traveling for the purpose of getting medical treatment
  • Travel to sanctioned countries such as Iran, Syria, Crimea, Cuba or North Korea  
  • Travel within 100 miles of your home  
  • Open-ended travel for longer than 45 days 
  • Traveling against your doctor’s advice   
  • Rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles  

*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. 

Buy cover while traveling

If you're traveling and want to extend your trip, World Nomads lets you buy more cover to keep you on the road.

24/7 Emergency Assistance

Our multi-lingual assistance team can help you when you need it most, connecting you with medical treatment and transportation.

Cover for 250+ Adventure Activities

At World Nomads, we love to explore our boundaries when we travel, so we've worked for over twenty years developing one of the longest lists of covered activities.

Donate to local communities

We connect our customers to projects run by established charities so you can fund projects in destinations with the greatest need.

A true claim 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. De Jesus,
    U.S. resident in Spain
  • My wide fell in our house and broke her right kneecap. She had to have surgery and the doctor says she has to stay off her right leg for 8 weeks. I had to cancel my trip to Israel because I have to stay in the house and be her caregiver.
    M. Hittleman,
    U.S. resident
  • I went to the hospital because I felt a fever and upon further testing they found it to be dengue fever. They also found a infection in my liver which made the process of getting better take longer than usual. I stayed in the hospital for 8 days before I was discharged.
    E. Jessup,
    U.S. resident in Thailand

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
  • Unexpectedly hospitalised?
  • Called to jury duty?
  • Been made redundant?

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?

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
  • Injured abroad?
  • Need a hospital urgently?
  • You or a family member die?

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
  • Luggage lost?
  • Passport pilfered?
  • Tech Trashed?

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 250+ activities you love

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

Frequently asked questions

  • When does my annual coverage begin and end? 
    The Annual Plan one-year period becomes effective on your selected plan Start Date, or on a future Start Date you selected at the time of purchase, and we received the required plan cost. The plan will end at 11:59 p.m. on the 364th day, or 365th day for leap year, from your Annual Plan Start Date.   
  • Do I need an annual travel insurance plan?  
    If you take multiple trips per year, you may want to consider getting an annual travel insurance plan. Think about the number of trips you plan to take in a year, the costs of each, and what you’ll be doing on those trips.   You can the get a quote and can compare the pricing and coverage for a single trip vs. the cost of an annual travel insurance plan. Take a look at the coverage amounts in your quote, and make sure they meet your needs. That will help you determine the best travel insurance plan for your needs.  
  • Will my Annual Plan renew annually? 
    World Nomads Annual Plans are not currently set-up to auto-renew. We will contact you weeks in advance of your plan ending to let you know that it is set to expire and give you ample time to purchase your next plan, to avoid any unintended break in your period of cover. Upon your plan’s expiration you will no longer be covered.