Updated 2026
Travel insurance is non-negotiable for RTW, but coverage varies wildly. Most travelers buy policies without understanding what they actually cover.
Basic RTW insurance includes:
- Medical expenses (hospital, emergency care): covered
- Evacuation insurance: critical for remote areas
- Lost luggage: covered, usually with limits
- Trip cancellation: covered if you cancel before departure
- Theft and robbery: covered if reported to police
Critical gaps in typical policies:
High-risk activities: mountaineering, professional sports, cave diving. Many policies exclude these. If you're doing adventure activities, get policies that explicitly cover them.
Existing conditions: pre-existing medical conditions may not be covered. Read fine print.
Coverage limits: medical coverage tops out (often $100K). Evacuation insurance is separate. Understand your maximums.
Exclusions: alcohol-related incidents, risky behavior. Generally won't be covered.
Countries excluded: some policies won't cover certain countries (usually for geopolitical reasons). Know your destinations before buying.
Duration: most policies cover 1-2 years. RTW longer than 1 year needs special long-term coverage.
Questions to ask:
- Are high-risk activities I plan to do covered?
- What is the medical coverage limit?
- Is evacuation insurance included?
- Are pre-existing conditions covered?
- What countries are excluded?
- What is the maximum duration of coverage?
- What deductibles apply?
- What situations void coverage?
Reputable RTW insurers: World Nomads, SafetyWing, ACS, IMG. Compare quotes. Don't just pick the cheapest.
Insurance is expensive ($1500-3000 for a year) but required. It's not optional. Accidents happen. Medical care is expensive. You need coverage.