How do I know what plan to purchase?

Only you can decide what plan is best for you. World Nomads Travel Insurance offers single trip and annual travel protection plans for US residents. When you get a quote, you’ll be able to compare plans side by side and learn more about everything that is covered by each one. Maximum benefits can be found in the Schedule of Benefits in your plan wording and are subject to any applicable sub-limits. Read through all of the information so that you can pick the travel protection plan that fits your needs. If you have questions, contact our team and they will be happy to assist.

If my dog gets sick, can I interrupt my trip and go home to care for it?

If your pet or service animal experiences a life-threatening sickness or dies during your trip, and you have the Explorer or Epic plan offered by World Nomads, the trip interruption benefit may provide coverage to reimburse you for prepaid, nonrefundable, unused, forfeited travel arrangements if you aren’t able to continue your trip as planned.

If I get called into work while I’m on my vacation, am I covered?

If you or your travel companion is required to work unexpectedly during your trip, providing vacation leave is already approved, or you or your traveling companion are required to work due to being a full-time employee of a company that is directly involved in a merger or acquisition, you may be covered. Be sure to read the plan for details of this as simply responding to emails won’t cut it. If you have questions about your specific scenario, contact our team and they can assist.

What happens if my travel companion gets hurt and it interrupts our trip?

You may be reimbursed for pre-paid, unused, forfeited, non-refundable trip expenses if your travel companion is seriously injured or becomes sick while on your trip and it causes you not to continue your trip as planned. You may also be eligible for additional coverage that reimburses reasonable expenses incurred by you to remain with your traveling companion if you must interrupt your trip because your traveling companion is hospitalized due to a covered injury or sickness for at least 1 day during your trip (up to the maximum benefit amount shown in the Schedule of Benefits).

Could travel insurance and non-insurance services cover terrorist attacks while I’m traveling?

If a terrorist incident takes place while you’re traveling, you may have coverage under your trip interruption benefits. If a terrorist attack happens in your departure city or in a city listed on your trip itinerary within 30 days of your departure date, you may also have coverage for trip cancellation if you have not yet departed on your trip. In order to be eligible for coverage, you must purchase your travel insurance plan before an incident happens. Terms and conditions apply.

Do your recommend I see a doctor if I’m interrupting my trip for medical reasons?

Yes, if you are interrupting your trip for medical reasons, you will need to be seen by a doctor who can certify that you are not able to continue your trip. Make sure you save documentation of that, as well as receipts and invoices that show your medical expenses. You’ll need that if you plan to make a trip interruption claim.

How do I file a claim for my travel insurance for trip interruption benefits?

You can log in to your member account online to start a claim. If you didn’t create one previously, you can still create an account. You must advise us within 20 days if you are making a claim. You’ll need to provide documentation that may include things like receipts from your transportation provider or tour operator, forms showing your medical expenses, or police reports.

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Trip Interruption Travel Insurance Benefit

If US Residents are forced to unexpectedly interrupt your trip while traveling, travel insurance benefits may help soften the blow

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At a glance

The trip interruption travel insurance benefit is included in all World Nomads protection plans
You may be reimbursed for pre-paid, unused, forfeited, non-refundable trip payments or deposits if your trip is interrupted for an unforeseen, covered reason. Terms and Conditions apply.
You may be covered for a variety of situations, including natural disasters, terrorist attacks, and sickness, injury, or death of yourself, a travel companion, or covered family member
The Epic and Explorer plans may cover additional trip interruptions such as a sick pet or closure of ski slopes

Why should you consider travel insurance and non-insurance assistance services for trip interruption?
Some Unforeseen Covered Reasons for Trip Interruption
Exclusions
Trip Interruption Plan Maximum Amounts
What is the difference between trip cancellation, trip delay, and trip interruption insurance?
What should you do if you need to interrupt your trip?
FAQs

Why should you consider travel insurance and non-insurance assistance services for trip interruption?

Even perfectly planned vacations don’t always go off without a hitch. According to Perk’s Cost of Travel Disruption Report*, 2025 saw the highest percentage of travelers affected by weather-related disruptions from the past three years. It was a 50% increase for US travelers. Weather is just one of the many things that can interrupt your trip, though.

A ‘Trip interruption’ is something that happens causing you to end your trip early or that makes you unable to participate in your full planned itinerary. If you get severely injured or sick while traveling, or you get a call from back home and learn that an immediate family member has unexpectedly passed away, you may not be able to complete the rest of your planned trip. With a single-trip or annual travel plan that includes trip interruption insurance benefits, you may be reimbursed for the non-refundable, unused, forfeited, pre-paid payments or deposits you’ve spent for things like tours, transportation, and hotel accommodations if your trip is interrupted for a covered reason.

If you have an interruption that causes you to miss part of your trip, but you’re able to rejoin it later, additional transportation costs may be covered to rejoin your trip. If you need to return home early for a covered reason, you may also be eligible to be reimbursed for additional transportation costs.

Some Unforeseen Covered Reasons for Trip Interruption

Unexpected sickness, injury, or death of yourself, a travel companion, or a covered family member
A natural disaster, which requires a mandatory evacuation order by local government authorities
Military reassignment or revoked leave
You or your travel companion being required to work unexpectedly during your trip
Unexpected jury duty
Terrorist attacks that occurs during your trip in a city listed on your scheduled trip itinerary
Unannounced strikes resulting in complete cessation of travel services for at least 24 consecutive hours of the Common Carrier
Inclement Weather that causes a complete cessation of services by your common carrier (subject to conditions)
Closure of ski slopes for more than eight consecutive hours (subject to conditions, only included in the Explorer and Epic plans)
Sickness or death of your pet (only available in Explorer and Epic plans)

Exclusions

Pre-existing conditions (this exclusion is not applicable if you purchased the Epic or Explorer plan during the time-sensitive period and were medically able to travel at the time of purchase which qualifies for a Pre-Existing Medical Condition Waiver).
Routine pregnancy and childbirth
Participation as an athlete in professional sports
Getting hurt if you are under the influence of drugs or alcohol

Trip Interruption Plan Maximum Amounts

Standard Plan	Explorer Plan	Epic Plan	Annual Plan
Up to $2,500 Get a quote	Up to $10,000 Get a quote	Up to $15,000 Get a quote	Up to $5,000 per individual coverage term Get a quote

Compare all benefits and plans

What is the difference between trip cancellation, trip delay, and trip interruption insurance?

Trip Cancellation coverage is what kicks in if you need to cancel your trip for a covered reason, before you’ve departed for your trip. (Our Epic and Explorer plans offer optional “Cancel For Any Reason” benefits beyond what’s included in all plans, at an additional cost and only when you purchase within the time-sensitive period. Not available to NY residents.)

Trip Delay coverage may help provide reimbursement for reasonable expenses you incur if you’re delayed for more than six hours due to a covered reason, like a documented airline delay, lost or stolen passport, and more.

Trip Interruption coverage begins after you depart on your first scheduled travel arrangement, like a flight.

Our single trip and annual travel plans all include trip interruption coverage. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you. Please view your state-specific plan document as coverage varies based on the plan you purchase.

What should you do if you need to interrupt your trip?

Your health and safety is our first priority. If you find yourself in an emergency situation, first contact local emergency services, then contact the 2 4/7 Non-Insurance Emergency Assistance team.
If you are interrupting your trip for medical reasons, you will need to be seen by a doctor who can certify that you are not able to continue your trip.
Try to recoup prepaid, unused, forfeited, nonrefundable expenses from your travel providers before filing a claim.
Save all documentation that could be needed for your claim. You may be asked to provide things like receipts from your transportation provider or tour operator, forms showing your medical expenses, or police reports.
You must advise us within 20 days of the interruption or as soon as is reasonably possible if you are making a claim. You can log in to your member account online to start a claim. If you didn’t create one previously, you can still create an account.
It’s always a bummer when something happens and your trip gets cut short. Once you are ready, take a look at some of our team’s tips on destinations around the world and get some inspiration for your next adventure.

FAQ

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

How do I know what plan to purchase?
Only you can decide what plan is best for you. World Nomads Travel Insurance offers single trip and annual travel protection plans for US residents. When you get a quote, you’ll be able to compare plans side by side and learn more about everything that is covered by each one. Maximum benefits can be found in the Schedule of Benefits in your plan wording and are subject to any applicable sub-limits. Read through all of the information so that you can pick the travel protection plan that fits your needs. If you have questions, contact our team and they will be happy to assist.

If my dog gets sick, can I interrupt my trip and go home to care for it?
If your pet or service animal experiences a life-threatening sickness or dies during your trip, and you have the Explorer or Epic plan offered by World Nomads, the trip interruption benefit may provide coverage to reimburse you for prepaid, nonrefundable, unused, forfeited travel arrangements if you aren’t able to continue your trip as planned.

If I get called into work while I’m on my vacation, am I covered?
If you or your travel companion is required to work unexpectedly during your trip, providing vacation leave is already approved, or you or your traveling companion are required to work due to being a full-time employee of a company that is directly involved in a merger or acquisition, you may be covered. Be sure to read the plan for details of this as simply responding to emails won’t cut it. If you have questions about your specific scenario, contact our team and they can assist.

What happens if my travel companion gets hurt and it interrupts our trip?
You may be reimbursed for pre-paid, unused, forfeited, non-refundable trip expenses if your travel companion is seriously injured or becomes sick while on your trip and it causes you not to continue your trip as planned. You may also be eligible for additional coverage that reimburses reasonable expenses incurred by you to remain with your traveling companion if you must interrupt your trip because your traveling companion is hospitalized due to a covered injury or sickness for at least 1 day during your trip (up to the maximum benefit amount shown in the Schedule of Benefits).

Could travel insurance and non-insurance services cover terrorist attacks while I’m traveling?
If a terrorist incident takes place while you’re traveling, you may have coverage under your trip interruption benefits. If a terrorist attack happens in your departure city or in a city listed on your trip itinerary within 30 days of your departure date, you may also have coverage for trip cancellation if you have not yet departed on your trip. In order to be eligible for coverage, you must purchase your travel insurance plan before an incident happens. Terms and conditions apply.

Do your recommend I see a doctor if I’m interrupting my trip for medical reasons?
Yes, if you are interrupting your trip for medical reasons, you will need to be seen by a doctor who can certify that you are not able to continue your trip. Make sure you save documentation of that, as well as receipts and invoices that show your medical expenses. You’ll need that if you plan to make a trip interruption claim.

How do I file a claim for my travel insurance for trip interruption benefits?
You can log in to your member account online to start a claim. If you didn’t create one previously, you can still create an account. You must advise us within 20 days if you are making a claim. You’ll need to provide documentation that may include things like receipts from your transportation provider or tour operator, forms showing your medical expenses, or police reports.

*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.