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Travel Insurance for Dental Emergencies

Learn how travel insurance for US Residents may cover emergency dental treatment expenses abroad.

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For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.  

Broken or chipped teeth can happen at any time. It could be seeded bread in Berlin, olives in Athens, or chestnuts in Istanbul. Or perhaps you’re surfing in Sayulita and get hit in the face by your surfboard, which breaks your tooth.

If pain or injury suddenly strikes while you’re traveling out of the country and you find yourself dealing with a dental emergency, World Nomads Travel Insurance may help cover the overseas emergency dental treatment you need to get relief. 

What does travel insurance cover for overseas emergency dental treatment?  

Our plans may cover overseas dental expenses if you need to see a dentist while traveling for unexpected emergencies. For example, World Nomads dental coverage can help you if you need to seek immediate relief of sudden pain to healthy, natural teeth for things like: 

  • An unexpected infection
  • Chipped or broken teeth
  • Injuries to your mouth or jaw due to an accident

You may have coverage under the emergency medical section of your plan for things like: 

  • The services of a physician or dentist
  • X-rays, treatments and lab tests
  • Hospital fees

Limits, terms, and conditions of overseas dental coverage vary depending on the plan you buy and your past dental history. The pain or injury must have occurred while you were on your trip. When you get a quote for travel insurance* coverage, you can compare the plans side-by-side to determine which one might be right for you. Pay attention to the medical coverage, as this applies to emergency dental treatments too.

To streamline your experience seeking dental treatment abroad, we recommend signing up for FootprintID before your trip. This non-insurance service is a portable personal health record where your documents, prescriptions, test results, and emergency contacts are accessible in one place anywhere in the world. Whether you need to refill a prescription or to deal with a more serious injury, FootprintID expedites the process.

Travel insurance tip:To be reimbursed for costs incurred during overseas dental emergencies, your dental illness or injury must be confirmed in writing by your treating medical practitioner. You must get copies of all medical and dental records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. Coverage is limited to the amount shown in your plan wording. 

What isn’t covered by travel insurance dental coverage?

Travel insurance isn’t designed to cover everything. Our dental plans cover dental emergencies but not routine dental work. Here are things we don’t cover: 

  • General check-ups and routine maintenance
  • Getting your teeth straightened
  • New teeth or fillings following pain relieving treatment
  • Major dental work such as crowns, dentures, bridges, and implants
  • Buying a plan after the pain has set in
  • Any medical bills related to a pre-existing condition, unless you purchased the Epic or Explorer plan during the time-sensitive period and were healthy enough to travel when you made the purchase
  • Non-emergency treatment that can wait until you return home. Remember: the coverage isn’t health insurance; it's for travel emergencies. 
  • Treatment needed due to participation in activities outside of your plan’s limits
  • Dental expenses once you return home from your trip

What to do if you are experiencing a dental emergency abroad?

  1. Contact our customer support team first: Our Emergency Assistance teamhelps take the stress out of already stressful situations and is available 24 hours a day, 7 days a week, 365 days a year.
  2. Explain what is going on: The 24/7 emergency assistance teams have connections and relationships with dental providers all over the world and can refer you to the most suitable one for your particular emergency.
  3. Refer to your plan documents to make sure what you are dealing with falls within the perimeters of your particular plan: The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations, and exclusions in the plan wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.
  4. Ask yourself: is it a true emergency or is this care that can wait until you get home to the US? Remember, World Nomads Travel Insurance covers dental emergencies only, not routine care. If you are unsure if what are you dealing with is a true emergency, give us a call.
  5. Save all receipts and documentation from the dental provider: Documentation is needed to be reimbursed for qualifying expenses. You’ll likely need to pay in advance. You can submit a claim online either right then or you can wait up to 20 days afterwards to do so.

*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. 

I bit on something hard

A bone chipped my front tooth, on the top row, and cracked it. Blood started to run down so I had an emergency visit to the dentist to repair it.
Claim paid: USD $82.33
B.P. U.S Resident in South Africa.

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
  • Are you or your family sick, injured or dead?
  • Natural disaster or terrorist attack where you’re going?
  • Called to active service?

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 drugs 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 to get to hospital urgently?
  • You or a family member dies?

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
  • Go Pro Gone?
  • Laptop Lost?
  • Sports Gear Stolen?

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.

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