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Travel Insurance Benefits and Time Sensitive Periods

Learn how US Residents can become eligible for additional benefits by purchasing within 7 days of paying the first trip deposit.

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At a glance

World Nomads Travel Insurance offers four plans for US residents, with some plans that offer higher limits of coverage
The Explorer and Epic plans may have additional benefits available for travelers if they purchase their plan within the time-sensitive period
Time Sensitive Period means insurance must be purchased within 7 days of the date Your initial Payments or Deposits for Your Trip is received.
The Explorer and Epic plans offer additional benefits such as the travel inconvenience benefits (not available for some states) and a pre-existing medical condition exclusion waiver
An optional ‘Cancel for Any Reason’ upgrade may also be available for the Explorer and Epic plans offered by World Nomads (Not available for New York residents) Additional costs and terms apply.

What does the “time-sensitive period” mean?
Time-sensitive travel insurance benefits
Important to Know
Maximum Limits
Travel Safety Tips
FAQs

What does the “time-sensitive period” mean?

After you’ve made the tough decision of choosing the perfect vacation destination, you may want to think about how to protect your trip with travel insurance coverage . Even though you can purchase a plan anytime (even when you’re already traveling), the timing of your purchase may affect your benefits. If you purchase the Explorer or Epic protection plan within the time sensitive period of 7 days of your initial trip deposit or payment being received, you may also be eligible for additional insurance components and plan offerings that could be valuable to you on your trip.

The initial deposit or payment could come in the form of purchasing a plane ticket or booking a hotel. It can also look like buying a tour or museum ticket. Whenever you put down money to secure your travels, this is when the time sensitive period starts. You then have 7 days to purchase either the Explorer or Epic Plan to be eligible for the additional components. Additional terms may apply. For more details you can compare the benefits of each plan side-by-side when you get a quote for travel insurance and non-insurance services.

Time-sensitive travel insurance benefits

Optional Cancel for Any Reason Coverage (available at an additional cost)
Travel Inconvenience Coverage
Pre-Existing Medical Condition Exclusion Waiver

Important to Know

Additional time-sensitive benefits are only available on the Explorer and Epic travel protection plans
You must purchase your plan within 7 days of the date of making the first deposit/payment being received towards your trip to be eligible for applicable benefits
Optional Cancel for Any Reason Coverage is not available for residents of New York
The travel inconvenience benefit is not available for residents of Missouri, Montana, New York, and Washington

Maximum Limits

Explorer Plan	Epic Plan
Travel Inconvenience: $250 for each inconvenience, up to a maximum of $500 Optional Cancel for Any Reason: 50% of non-refundable payments, up to $5,000 Get a quote	Travel Inconvenience: $250 for each inconvenience, up to a maximum of $750 Optional Cancel for Any Reason: 75% of non-refundable payments, up to $11,250 Get a quote

Compare all benefits and plans

Travel Safety Tips

When you get a quote for travel insurance and non-insurance services, we suggest comparing the benefits of each plan side-by-side so that you can choose the plan that best fits your needs. The Standard Plan is the cheapest, but the Explorer and Epic plans have higher maximum benefit amounts and additional benefits, including some that you could become eligible for if you purchase your plan within the time-sensitive period. If you’re a part of the 39% of Americans who take more than three trips per year*, you may also be interested in the annual plan.

Here are a few other travel tips that have benefitted us in our own travels:

Check out the US government’s safety warnings for your destination before traveling. This is where the US Department of State lists any current advisories. You can also learn about any natural disasters that your destination is prone to, and see if good medical care is widely available in the locations where you’ll be.
Sign up for portable health records. This is one of the non-insurance services included when you purchase a World Nomads plan. This is a secure solution that allows you to have immediate access to your medical records anywhere in the world. If you’re traveling and end up having a medical emergency, it’s helpful for your medical team to know about important things such as your prescriptions, allergies, and medical conditions.
Check vaccination requirements before you go. Your World Nomads plan includes pre-trip medical support, and a team of US-licensed physicians can prescribe you vaccinations and medications that you may need for the destinations where you will be traveling. The medications will be delivered to your door, and you can take your vaccination prescription to your local pharmacy.
Consider traveling with a carry-on This is the best way to avoid bags getting lost or delayed by your airline. If you must check a bag, make sure your medications, glasses, contact lenses, hearing aids, and orthodontic devices are in your carry-on. You won’t want to be without those things and these items may be excluded from your baggage and personal effects travel insurance benefit.
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. In remote areas, you may not have cell service or electricity to charge your phone, so it’s not a bad idea to have a copy of this printed as well. You won’t want to be searching for that information if you have an emergency.
Save all receipts for everything you’ve purchased for your trip. If you need to make a claim, you’ll need to provide documentation that could include receipts, medical reports and more.

FAQ

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

How long is the “time-sensitive period?”
The time sensitive period means insurance must be purchased within 7 days of the date your initial payments or deposits for your trip is received. Purchasing the Explorer or Epic travel protection plan from World Nomads in the time sensitive period may be eligible for additional benefits that could be valuable for your trip.

What is considered the first deposit?
This deposit or payment can come in the form of purchasing a plane ticket or booking a hotel. It can also look like buying a tour or museum ticket. Whenever you put down money to secure your travel arrangements, this is when the time sensitive period starts. You then have 7 days to purchase either the Explorer or Epic Plan to become eligible for the additional components. Additional terms may apply.

Does Optional Cancel for Any Reason coverage let you cancel if you change your mind?
If you buy your plan within 7 days of making your first trip deposit or payment, you can then add on the optional ‘cancel for any reason’ benefit at an additional cost. The cancel for any reason benefit allows you to cancel your trip for any reason not already covered by the plan. Meaning you may be partially reimbursed for non-refundable, prepaid and unused payments you’ve made towards your trip. Say you’ve broken up with your partner, your dog got sick or you’ve simply changed your mind about going; you may now get partial reimbursement. This benefit is especially handy for those trips that are big investments or booked far in advance. Additional terms and conditions apply. Not available to NY residents.

Will travel insurance cover my pre-existing medical conditions?
For the Explorer and Epics plans, if you buy the plan within 7 days of initial trip payment, you could be eligible for a Pre-Existing Medical Condition Exclusion Waiver. You must be medically able and not disabled from travel, based on physician assessment, when you buy the plan. A definition of a pre-existing condition can be found in your plan document.

Check your plan documents to see a full list of what may be covered and compare benefits side-by-side to help you decide which plan is right for you.

What types of situations are considered travel inconveniences?
Covered travel inconvenience events may include: ski resort closures, tarmac delays, cruise diversions, missed work due to airline delays, rental car breakdown, and others. Please note that the travel inconvenience benefit is not available for residents of Missouri, Montana, New York, and Washington. Additional terms and conditions apply.

20260223-5238410. *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.