U.S. domestic travel insurance
5 travel benefits you shouldn't leave home without
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Maybe your next trip won’t include crossing an ocean or boarding a plane. But just because you’re traveling within the United States doesn’t mean that there aren’t any risks for your trip to go off course.
World Nomads’ domestic coverage starts from at least 100 miles away from home and provides essential protection against a wide range of mishaps that you could encounter on the road.
Why do I need domestic travel insurance?
It doesn’t matter if you’re on a distant continent or just a few hours from home ─ you could sprain your ankle, get into a car accident, or get delayed by inclement weather just about anywhere. A good travel protection plan can help prevent any of these unexpected events from turning into full-blown disasters.
What are the benefits of domestic travel insurance?
Accidents and emergencies can happen in your own backyard, which is why it’s important to consider these five main benefits of domestic travel insurance:
Unexpected trip cancellation: A family illness or a work emergency can cause you to cancel your trip, and domestic travel insurance can help you recover your non-refundable trip costs for these and other covered reasons.
Medical emergencies: Hospital bills and emergency office visits can really add up, especially when you need to pay out-of-pocket or use an out-of-network provider. These sometimes-sky-high costs ─ which are unlikely to get reimbursed under your regular health insurance ─ are a reason alone to purchase domestic travel insurance.
Trip Delay: Sometimes you can hit a bump in the road ─ in a literal and figurative sense. Maybe you got stuck in traffic because of an accident or a roadway happened to be closed. This benefit covers meals, hotel stays and any other surprise expenses you could incur as a result of a setback that’s at least six hours or more.
Protection for personal belongings: If your camping gear gets stolen or you drop your driver’s license into the lake, you can recover the value of what you packed or get an equivalent replacement, up to a per item and total maximum limit.
Medical evacuation: Sometimes the best place to get medical treatment is at a hospital back home. Medical evacuation coverage removes the challenges of transporting you to a facility where you can get the appropriate care you need.
Exclusions of domestic travel insurance
Travel insurance doesn’t apply in every circumstance, and some things just won’t be covered at all. Your policy should outline the exclusions to your coverage in detail, but here are a few examples:
- Pre-existing conditions, which include any illness, disease or other medical condition that you’ve previously shown symptoms of or been treated for in the 90 days before you purchased your travel insurance.
- Fancy Vehicles: Our Explorer plan offers coverage for rental car damage, but not for BMWs, Jaguars or other high-end cars.
- Alcohol- and drug- related incidents that are a result of acting irresponsibly under any sort of intoxication or influence.
- State travel bans: If a state bars residents of your home state from entering, you won’t be covered for any expenses related to canceling or changing the course of the trip as a result of the restrictions.
- Any losses related to the participation in illegal activities: For example, if you get injured while looting a store during a riot.
- Select personal belongings, such as bicycles (unless checked into a common carrier), professional equipment, and musical instruments.
- Travel supplier cancellations: If your airline or tour operator decides to cancel, you should seek refunds and credits or reschedule your trip directly with your supplier.
Benefits of World Nomads travel insurance
Along with the benefits above, World Nomads also includes the following features in your domestic insurance policy:
- A 24/7 Emergency Assistance Team that can help with you with medical and dental referrals, locating lost luggage, and more.
- A concierge service that can support you when getting restaurant, hotel and rental car reservations, concert and theater tickets, and tee times for golf.
- Adventure sports and activities coverage is included in our plans, and after choosing between a Standard or Explorer Plan, you won’t need to purchase an additional upgrade. From bungee jumping to scuba diving, read our Help Center article on what adventure travel insurance covers.
Damaged Baggage
On a flight from San Diego to Honolulu, I checked my surfboard bag, which contained three surfboards. When I went to claim my bag, I found that two of my surfboards had been broken beyond repair. Both boards were broken into two pieces and the noses were crushed. After examination, it seems as if my ultra-protective surfboard bag (packed with utmost care), was either dropped upside-down from a high place or crushed by the weight of other bags during air or ground transport.
U.S Resident in Hawaii
Does travel insurance cover COVID-19?
World Nomads plans build in benefits that support you should you unexpectedly get sick while traveling. Our medical coverage includes benefits for serious illnesses, such as COVID-19, or being placed under strict quarantine by a physician or government mandate, among other scenarios.
Trip cancellation
This benefit helps you recover non-refundable, pre-paid trip costs when you have to cancel your trip for a covered reason, including for an unexpected sickness that keeps you from traveling.
Emergency medical
The only thing worse than catching COVID-19 is getting infected away from home. If you get sick with COVID-19 or another illness, you can get diagnostic tests to confirm your case and other emergency medical benefits.
Medical evacuation
If you're in an inadequate medical facility, our plans have benefits that can arrange a transfer to a hospital capable of treating your medical needs.
Trip interruption
During your travels, you might have to return home early. With trip interruption, you could get reimbursed for a one-way, economy-class ticket home and any pre-paid, unused portions of your trip if you need to change your plans for a covered reason.
Trip delay
Even when there isn’t a pandemic, traveling can have its bumps and hiccups. If your travels are delayed at least six hours by a covered event, you could get reimbursed for meals, hotels and other basic expenses.
Travel insurance. Simple and flexible.
Travel insurance for independent travelers and intrepid families. 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.
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
- Work emergency?
- Weather delay?
- Travel companion sick?
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
- Accidentally injured?
- Suddenly sick?
- Need a hospital?
We’ve got your back.
Emergency Evacuation
Emergency medical transportation: we’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $300,000
Emergency Evacuation
- Ambulance transfers
- Medevac flights
- Medical escort services
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
- Stolen I.D.s
- Checked-in sports equipment
- Damaged luggage
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
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.
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)
Wherever you are, we’re here 24/7 to help you in any emergency.
Emergency Assistance, World Nomads
Coronavirus (COVID-19) and travel - what you need to know
Please read your plan documents carefully. Cancellations due to fear of travel are not covered. However, our plans may provide coverage if you become injured or ill prior to your trip or while on your trip. Learn more here: www.worldnomads.com/travel-insurance/coronavirus.
About Coronavirus