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  1. World Nomads
  2. Usa
  3. Travel Insurance
  4. Whats Covered
  5. Natural Disasters

Travel Insurance for natural disasters

What happens when extreme weather strikes?

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It’s one thing if a rainy day washes out your trekking expedition, but what if a hurricane blows the roof off your hostel? When a natural disaster strikes, it’s hard to classify your trip as anything but… a disaster. But World Nomads can offer some much-needed weatherproofing, with protection for trip cancellations, medical emergencies, and more.

What is a natural disaster?

A natural disaster is a natural event that causes destruction or loss, such as an earthquake, flood, wildfire, hurricane, blizzard or volcanic eruption. It could also include naturally occurring wildfires, snow, rain, wind or related weather that causes severe and widespread damage, triggering a travel advisory from the U.S. Government or a ‘natural disaster’ declaration at your trip destination. For more details on the definition of a natural disaster, read your policy.

What am I covered for under natural disasters?

While the forces of nature are unpredictable, your travel insurance should be a sure thing. World Nomads provides coverage for:

  • Trip cancellation / trip interruption: say a tornado rips through your hotel, leaving it in a state where guests can no longer stay. Or the company where you work gets ravaged by a flood and you’re part of the team that has to put things back together again. Understandably, you may want to put a stop to your travels and get your money back for the parts you missed.
  • Trip delays: if a blizzard (or other bad weather) delays your common carrier transportation for at least six hours, this coverage can offer reimbursement for incidentals to help you manage while you’re waiting.
  • Emergency medical expense and emergency evacuation: if you get caught in the aftermath of an earthquake or hurricane, you could get seriously injured. What could help in a pinch? Emergency medical benefits, which could help protect you from hefty out-of-pocket medical bills.
  • Non-medical emergency transportation: you shouldn’t be anywhere where your safety is at risk, which is why our plans cover evacuation up to the maximum benefit amount specified in your policy, to get you away from an area impacted by a recent natural disaster.

What is not covered under natural disasters?

  • If a natural disaster was already forecast or announced when you purchased your policy (such as if you heard about it in the news).
  • Any extreme weather that’s not defined as a natural disaster under the policy.
  • Fear of traveling to a destination where a natural disaster is looming (in other words, unless the natural disaster occurs, you won’t get reimbursed).
  • Search-and-rescue missions such as during an avalanche.
  • Any weather conditions that only causes a loss of enjoyment (such as if a storm results in a few trees coming down and ruins your beach day but doesn’t cause any major destruction.)

This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your 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. If you have any questions about what is and is not covered, please reach out – we’re happy to help.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation.

  • Explorer Plan: $10,000
  • Standard Plan: $2,500
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.

  • Explorer Plan: $100,000
  • Standard 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.

  • Explorer Plan: $500,000
  • Standard Plan: $300,000
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.

  • Explorer Plan: $3,000
  • Standard Plan: $1,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Accident & Sickness Medical Expense
  • Repatriation of Remains
  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Baggage & Personal Effects
  • Baggage Delay (outward journey only)
  • Rental Car Damage – where permissible
  • Accidental Death & Dismemberment
  • Generali Global Assistance 24-Hour Assistance Services
  • Generali Global Assistance Non-Medical Emergency Transportation Services
This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen. Check the plan documents for full details.

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

Travel insurance. Simple & flexible.

Travel insurance for independent travelers. Nobody wants to think about all the things that could go wrong on their trip, but these things can and do happen. So be prepared and get your travel insurance today.

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