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Travel Insurance for Domestic Trips

US Residents May Be Able To Protect Their Trips Within the United States

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At a glance

  • All World Nomads protection plans may cover domestic trips within the United States
  • Trips more than 100 miles from your home may be covered 
  • You may be covered for more than 250+ activities 
  • Benefits may include trip cancellation, accident & sickness medical expenses, baggage and personal effects and more
  • 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 for domestic trips?

Here in the United States, there’s so much to see and do – and you don’t have to leave the country to have an awesome vacation. According to recent data, US residents took 720 million trips within the country in 2025*. Those trips may be closer to home, but travel challenges like canceled trips, delayed bags and medical emergencies can still happen. 

What happens if a hurricane wipes out your Florida beach bungalow making it uninhabitable, the airline loses your luggage, or you get hurt in Colorado while skiing? Those situations can be annoying and costly, but if you’re traveling more than 100 miles away from your home, you may be able to still get travel insurance coverage for your trip within the United States. When you get a quote for a travel protection plan with domestic travel insurance benefits, you’ll be able to compare the coverage included in each of the four plans that World Nomads offers for US residents. 

Exclusions

  • Travel within 100 miles of your home
  • Activities not listed as covered in your plan
  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and qualified for the pre-existing condition exclusion waiver. Additional terms apply.
  • Injuries that happen while under the influence of drugs or alcohol 
  • Routine physical examinations or routine dental care

Maximum Benefit Amounts

Standard PlanExplorer PlanEpic PlanAnnual Plan

Accident & Sickness Medical Expense: $125,000 per person

Trip Cancellation: $2,500 per person


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Accident & Sickness Medical Expense: $150,000 per person

Trip Cancellation: $10,000 per person


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Accident & Sickness Medical Expense: $250,000 per person

Trip Cancellation: $15,000 per person


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Accident & Sickness Medical Expense: $100,000 per trip 

Trip Cancellation: $5,000 per coverage term 


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Compare all benefits and plans

What is the difference between the Trip Cancellation benefit and the optional Cancel for Any Reason travel insurance benefit?

Trip cancellation insurance benefits are included in all single-trip and annual domestic travel insurance plans offered by World Nomads and this gives you the opportunity to cancel your trip before you depart – but only for covered reasons. You may be reimbursed for unused, forfeited, prepaid, non-refundable expenses that you paid for in advance if your situation is one of the covered cancellation reasons listed in your plan documents. 

‘Cancel for any reason’ coverage allows you to cancel for any reason not otherwise covered by the plan , but it isn’t automatically included. It’s an optional add-on benefit with an additional cost for US residents (Not available to New York residents) that’s available if you purchase the Epic or Explorer plan within seven days of the date your initial payment/deposit on your trip. This is called the ‘time sensitive period’. With ‘Cancel for Any Reason’ coverage, benefits can be reimbursed for up to 75% of prepaid and non-refundable deposits and payments you made towards your canceled trip. Additional terms and conditions apply.

Fun Ideas for Your Next Vacation in the United States 

You don’t have to travel overseas to have great adventures. Here are a few cool destinations that our nomads love. 

FAQ

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

  • 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 claim. For example, if you are canceling your trip due to illness, you may need to show medical reports proving you were unable to travel.

20260223-5224775. *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.