Can I cancel my trip if I’ve been assaulted?

World Nomads Travel Insurance offers trip cancellation and trip delay coverage for US residents if you or your traveling companion are the victim of a felonious assault prior to departure. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses such as excursions, transportation and accommodations. You must purchase your plan before the event occurs, and you will need police and doctor or hospital reports when making a claim.

What happens if I’m assaulted and have to cut my trip short?

All four travel protection plans for US residents offered by World Nomads include trip interruption coverage if you or your traveling companion are the victim of a felonious assault during your trip and cannot continue as planned. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses such as excursions, transportation and accommodations. Police and medical reports are required for claims.

What should I do if I’m assaulted overseas?

If you are injured or hospitalized following an assault, contact local authorities as soon as possible for assistance. You should also contact the non-insurance 24/7 Emergency Assistance Team promptly so they can assess your situation and provide support. Be ready with your plan number, a contact number, a brief description of your situation, and your location.

Is sexual assault covered by my travel protection plan?

If you have been the victim of a sexual assault, seek medical attention as soon as possible. The emergency medical benefits included in your travel protection plan may help reimburse eligible expenses such as hospitalization, doctor visits and lab tests, depending on your policy.

Does my travel protection plan cover medical bills resulting from assault?

Single trip and annual travel insurance plans for US residents may cover medical expenses resulting from assault while traveling. Covered expenses may include hospitalization, doctor visits, prescribed medicines, X-rays and lab tests, ambulance transportation, emergency dental treatment, and additional costs to return home if medically necessary and approved.

Does my regular health insurance cover overseas medical expenses?

Many US health insurance plans do not cover medical expenses incurred overseas, so you should confirm coverage with your provider. The US Department of State notes that Medicare generally does not cover medical costs outside the United States. World Nomads travel protection plans for US residents include emergency medical coverage for overseas travel.

How can I check if my destination is dangerous?

You can review US government travel advisories for your destination and conduct your own research by reading local news or traveler blogs. This can help you assess risks, safety conditions, and the availability of medical care at your destination.

How do I file a claim if I’m assaulted while traveling?

You can file a claim online within 20 days after the incident or as soon as reasonably possible. You will need to provide supporting documentation, which may include medical reports, bills and receipts, an incident report from local authorities, and an explanation of benefits from any other insurance.

Photo © Getty Images / lechatnoir

Travel Insurance Benefits for Assault

What US Residents Should Know About Travel Insurance Coverage for Assault

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At a glance

World Nomads Travel Insurance offers four travel protection plans for US residents that include benefits for assault
Unexpected medical expenses may be covered (up to the maximum benefit amount shown in the Schedule of Benefits)
Coverage may include hospitalization, surgery, doctor visits, lab tests, prescription medication and more
The non-insurance 24/7 Emergency Assistance Team is on call 24/7 to help you find suitable care and report the incident to the authorities

Why should you consider a travel insurance plan that covers assault?
What May Be Covered for Assault
Exclusions
Accident & Sickness Medical Expense: Plan Comparisons
Tips for Staying Safe While Traveling
FAQs

Why should you consider a travel insurance plan that covers assault?

While it’s not something anyone expects, travelers can occasionally face challenging situations, including physical or sexual assault. It’s important to know that support and resources are available should you ever need them during your trip. While some destinations have higher incidents than others, no destination is immune. If you’re assaulted and find yourself in this scary situation, the 24/7 Non-Insurance Emergency Assistance Team may help you find suitable care, communicate with doctors, report the incident to authorities, and coordinate logistics in any language and in any time zone.

Many US health insurance plans may not cover you when you’re traveling outside the country. The single trip and annual travel protection plans for US residents have benefits that may cover medical expenses that are needed to get you on the road to recovery, if an assault were to happen. You may want to consider getting a quote for a travel protection plan that includes coverage for assault.

What May Be Covered for Assault

Hospitalization
Doctor visits
Prescribed Medications
X-Rays and Lab Tests
Ambulance Transportation
Emergency Dental Treatment
Extra expenses to get you home, if medically necessary as determined by your attending physician and with the approval of the non-insurance 24/7 Emergency Assistance Team

Exclusions

Care or treatment that is payable under any other insurance plan
Ongoing treatment at home
Non-emergency treatment that can wait until you return home
Buying a travel protection plan after you’re assaulted
Any reckless or illegal behavior, including being under the influence of drugs or alcohol
Terms and conditions apply; read your plan documents to understand the coverage

Accident & Sickness Medical Expense: Plan Comparisons

Standard Plan	Explorer Plan	Epic Plan	Annual Plan
Up to $125,000 Get a quote	Up to $150,000 Get a quote	Up to $250,000 Get a quote	Up to $100,000 per trip Get a quote

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Tips for Staying Safe While Traveling

While personal safety is important wherever you go, there are practical steps you can take to help you feel more confident and secure during your travels.

Travel with a buddy when available.
Take extra precautions when traveling at night.
Share your plans with a friend or loved one, especially if going to an unfamiliar area.
Check out the US government’s safety warnings* for your destination before traveling.
Pay attention to local recommendations about which areas are best to visit and which are better to avoid.
Keep an eye on your food and drinks. If you ever feel unsure about something you’ve eaten or drank, reach out to someone you trust or a staff member for assistance.
Trust your gut. If something feels off, extract yourself from the situation as quickly and politely as possible.
Sign up for free portable health records – one of the non-insurance services included when you purchase a World Nomads plan. If you’re assaulted while traveling, it’s helpful for your medical team to know about important things such as your prescriptions, allergies, and medical conditions.
Save the phone number for the 24/7 Non-Insurance Emergency Assistance Team in your phone, as well as the plan number for the travel protection plan you purchased.

FAQ

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

Can I cancel my trip if I’ve been assaulted?
World Nomads Travel Insurance offers trip cancellation and trip delay coverage for US residents in the event you or your traveling companion are the victim of a felonious assault prior to leaving for your trip. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses such as excursions, transportation and accommodations.

Remember, you must purchase your plan before an event happens that would cause you to cancel your trip. Also be sure to get both police and doctor or hospital reports before you make a claim, and reach out to our customer service team if you have any questions.

What happens if I’m assaulted and have to cut my trip short?
All four travel protection plans for US residents offered by World Nomads include coverage for trip interruption if you or your traveling companion are the victim of a felonious assault while on your trip and you’re unable to complete it as planned. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses such as excursions, transportation and accommodations.

Be sure to get both police and doctor or hospital reports before you make a claim, and contact us if you have any questions.

What do I do if I’m assaulted overseas?
If you’re injured or hospitalized as a result of an assault, contact local authorities as soon as you’re able to do so for immediate attention. It is also essential that you get in contact with the non-insurance 24/7 Emergency Assistance Team as soon as possible so that they can assess the situation according to location and local laws, and then triage accordingly.

Please be ready with the following:
- Your plan number
- A contact number
- A brief description of your situation
- Your location

Is sexual assault covered by my travel protection plan?
If you have been the victim of a sexual assault, be sure to seek medical attention as soon as possible. The emergency medical benefits included in your travel protection plan may help to reimburse things like hospitalization, doctor visits, lab tests and more.

Does my travel protection plan include coverage for medical bills resulting from assault?
The single trip and annual travel insurance plans for US residents have benefits that may cover medical expenses that are needed to get you on the road to recovery if you’re assaulted while traveling. This may include expenses for things such as:
- Hospitalization
- Doctor visits
- Prescribed Medicines
- X-Rays and Lab Tests
- Ambulance Transportation
- Emergency Dental Treatment
- Extra expenses to get you home, if medically necessary as determined by your attending physician and with the approval of the non-insurance 24/7 Emergency Assistance Team
If you have questions about what is covered, contact us and ask.

Does my regular health insurance cover overseas medical expenses?
Many US health insurance plans don’t cover medical expenses while traveling abroad, so you’ll need to confirm that with your health insurance company. However, the US Department of State’s website* states that Medicare does not cover medical costs outside of the United States. Emergency medical coverage for overseas travel is included in the single trip and annual travel protection plans for US residents that are offered by World Nomads Travel Insurance.

How do I know if my destination is dangerous?
Check out the US government’s safety warnings* for your destination before traveling and do your own research by reading local newspapers or checking out online blogs from travelers in the location. You can see if your destination is high-risk, and you can also see if good medical care is widely available in the locations where you’ll be. You can also view all current advisories listed by the US Department of State.

How do I file a claim if I’m assaulted?
If you’re assaulted while traveling and seek medical care, you can file your claim online within 20 days after a loss occurs, or as soon as reasonably possible. You’ll need to provide documentation to back up your claim though, and the exact documentation needed will vary, depending on the care you received and the out of pocket expenses you paid. Some examples of required documents could include:
- Discharge records of injury or illness and reports for medical and/or dental expenses claimed
- Copies of all bills, receipts, and invoices from the provider of services
- An incident report from the local authorities
- An explanation of benefits from any other applicable insurance

*This website is not affiliated with United States Fire Insurance Company, World Nomads, or Trip Mate. 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

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

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

Need meds quick?
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

Banged up abroad?
Need a hospital urgently?
Medevac home?

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

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

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

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.

INFORMATION YOU NEED TO KNOW

This advertisement contains highlights of the plans developed by Trip Mate, a Generali Global Assistance & Insurance Services brand, which include travel insurance coverages underwritten by United States Fire Insurance Company, Principal Office located in Morristown, New Jersey, under form series T7000 et al, T210 et al and TP-401 et al and non-insurance Travel Assistance Services. The terms of insurance coverages in the plans may vary by jurisdiction and not all insurance coverages are available in all jurisdictions. Insurance coverages in these plans are subject to terms, limitations and exclusions including an exclusion for pre-existing medical conditions. In most states, your travel retailer is not a licensed insurance producer/agent and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number is 800-927-4357. The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact Trip Mate, a Generali Global Assistance & Insurance Services brand; we are licensed in all states; 880 SW 145th Ave, Suite 400, Pembroke Pines, FL 33027; 1-844-207-1930; assistancefees@tripmate.com. While Trip Mate markets the travel insurance in these plans on behalf of USF, non-insurance components of the plans were added to the plans by Trip Mate and Trip Mate does not receive compensation from USF for providing the non-insurance components of the plans.