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Travel Insurance Benefits for COVID-19

US Residents can protect against emergency medical and related expenses if they are medically restricted from traveling with COVID-19

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At a glance

COVID is treated as any other sickness and not excluded from World Nomads Travel Insurance plans. Plan benefits, limits, and provisions may vary by state jurisdiction & benefits are subject to review of written claim documentation and plan provisions.
All World Nomads plans include coverage that may help with your travel disruptions if your doctor medically restricts you from traveling with COVID-19.
You may be covered if COVID-19 medically restricts you, causing you to cancel or interrupt your trip.
Emergency accident or sickness medical benefits may help if you need to see a doctor or if you’re hospitalized while traveling
An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans offered by World Nomads. (Not available for New York residents.)

Why should you consider travel insurance coverage for a COVID-19 diagnosis?
What May Be Covered for COVID-19
Exclusions
Maximum Limits
Our Tips For Staying Healthy Before and During Your Trip
FAQs

Why should you consider travel insurance coverage for a COVID-19 diagnosis?

According to the World Health Organization (WHO), there have been over 779,000,000 million reported cases of COVID-19. While it’s not as scary as it was in 2020, the number of cases continues to grow. Data from 2026 shows that a large percentage of those new cases are from Europe and the Americas.

If you are diagnosed with COVID-19 before which results in disabling medical restrictions before your planned trip, you unfortunately may have to cancel it. Trip cancellation coverage may reimburse you for pre-paid non-refundable travel expenses (such as flights, hotels and excursions). If you become sick with COVID-19 while on your trip, you may be covered for medical expenses if you need to see a doctor or get treatment. You may also be eligible for trip interruption benefits if a physician confirms you are unfit to continue traveling. If you aren’t able to get the care you need in your destination, emergency medical evacuation benefits may even help you get to a place where you can get care.

What May Be Covered for COVID-19

Exclusions

Canceled trips due to fear of traveling and getting sick (unless you purchased ‘Cancel for Any Reason’ coverage within the time-sensitive period)
Travel within 100 miles of your home
Pre-existing conditions. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
Routine physical examinations, routine dental care or losses that are covered by another party (like your primary health insurance)

Maximum Limits

Standard Plan	Explorer Plan	Epic Plan	Annual Plan
Emergency Medical: $125,000 Trip Cancellation: $2,500 Get a quote	Emergency Medical: $150,000 Trip Cancellation: $10,000 Get a quote	Emergency Medical: $250,000 Trip Cancellation: $15,000 Get a quote	Emergency Medical: $100,000 per trip Trip Cancellation: $5,000 per coverage term Get a quote

Compare all benefits and plans

Our Tips For Staying Healthy Before and During Your Trip

Wash your hands with soap and water.
Use an alcohol-based hand sanitizer.
Avoid close contact with people who are sick.
Pack disinfectant wipes and wipe down high-touch surfaces.
Take advantage of the pre-departure medical consultation included in your non-insurance services.
Have a copy of your plan that may cover medical expenses related to COVID-19 or other illnesses saved in your phone. Save the phone number for the 24/7 Non-insurance Emergency Assistance as well. Hopefully you won’t need to use it, but if you do, you’ll want to have it easily accessible.

FAQ

Here are our most frequently asked questions about cover for COVID-19. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

Would a COVID-19 diagnosis be covered by the World Nomads plan?
World Nomads plans may provide coverage for specified benefits if your travels are affected if you are diagnosed with COVID-19. These benefits may include medical expenses, emergency medical evacuation, and trip interruption coverage if you contract COVID-19 while traveling and a doctor certifies you are unable to travel. You may also be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses (such as flights, hotels and excursions) if you, your travel companion, a close family member or business partner are unable to travel, as certified by a physician, and it prevents you from leaving on your trip.

Can I cancel my trip because I’m afraid of exposure to COVID-19?
A fear of traveling is not considered a covered reason for canceling a trip. However, if you’re concerned that you may want to cancel the trip because of COVID-19 (or any reason at all), you may want to consider purchasing the optional ‘Cancel for Any Reason’ coverage. This allows you to cancel for a wider range of reasons, but it isn’t automatically included. It’s an optional add-on for US residents (not available in New York) that’s available if you purchase the Epic or Explorer plan within seven days of paying the first deposit on your trip. This is called the ‘time sensitive period’. With ‘Cancel for Any Reason’ coverage, benefits will be paid for up to 75% of prepaid and non-refundable deposits and payments you made towards your canceled trip.

What is the most suitable plan to cover medical expenses related to COVID-19?
World Nomads offers four plans for US residents. All include benefits that may include benefits for medical expenses, emergency medical evacuation, and trip interruption coverage if you contract COVID-19 while traveling.

You may also be eligible for trip cancellation coverage for pre-paid non-refundable travel expenses (such as flights, hotels and excursions) if you, your travel companion, a close family member or business partner are unable to travel, as certified by a physician, and it prevents you from leaving on your trip.

Each plan has different levels of coverage, though. When you get a quote for a plan that includes accident and sickness medical expenses, you’ll be able to compare the coverage of each plan. You can then determine which travel insurance plan is best for your needs. If you have questions about what’s covered, contact us.

Can I purchase a plan after my trip starts?
Yes. If your trip has already started, World Nomads can still offer you coverage. You can buy a plan that includes accident and sickness medical expense online at any time. World Nomads Travel Insurance for U.S. residents takes effect at 12:01 a.m. local time the day after you purchase your plan. If you’re already traveling and want to get coverage, you’ll need to buy your insurance at least the day before you need coverage. You won’t be covered by accident and sickness medical expense benefits if you’re already diagnosed with an illness when you purchase your plan.

How do I file a claim?
You can file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your canceled trip as well. For example, if you are canceling your trip due to COVID-19 diagnosis, you’ll need to show medical reports proving you were unable to travel. If you have questions about documentation that’s needed, contact us.

*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.

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.