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USA | Thursday, December 4, 2014 | 4 photos

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On a frozen lake in Minnesota, my homeland

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Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.

WorldNomads.com Pty Limited (ABN 62 127 485 198 AR 343027) at Governor Macquarie Tower, Level 18, 1 Farrer Place, Sydney, NSW, 2000, Australia is an Authorised Representative of nib Travel Services (Australia) Pty Ltd (ABN 81 115 932 173 AFSL 308461) (formerly known as Cerberus Special Risks), and is underwritten in Australia by XL Insurance Company SE, Australia branch (ABN 36 083 570 441) and in New Zealand by certain underwriters at Lloyd's. nib Travel Services Europe Limited trading as nib Travel Services and World Nomads (CN 601851), at First Floor, City Quarter, Lapps Quay, Cork, Ireland operates in both Europe and the UK; in Europe it is underwritten by XL Insurance Company SE; in the UK it is underwritten by XL Catlin Insurance Company UK Limited. nib Travel Services Europe Limited trading as nib Travel Services and World Nomads is regulated by the Central Bank of Ireland. nib Travel Services Europe Limited trading as nib Travel Services and World Nomads is deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. WorldNomads.com Pty Limited markets and promotes travel insurance products of nib Travel Services Limited (License No.1446874) (formerly known as Nomadic Insurance Limited), at PO Box 1051, Grand Cayman KY1-1102, Cayman Islands. World Nomads Inc. (1585422), at 520 3rd Street, Suite 201, Oakland, CA 94607, plans are administered by Trip Mate Inc. (in CA & UT, dba, Trip Mate Insurance Agency) at 9225 Ward Parkway, Suite 200, Kansas City, MO, 64114, USA, with 24-hour and Assistance Services provided by Generali Global Assistance and plans underwritten by Nationwide Mutual Insurance Company and affiliated companies, Columbus, OH. World Nomads (Canada) Ltd (BC: 0700178; Business No: 001 85379 7942 RC0001) is a licensed agent sponsored by AIG Insurance Company of Canada at 120 Bremner Boulevard, Suite 2200, Toronto, Ontario, M5J 0A8, Canada. World Experiences Seguros De Viagem Brasil Ltda (CNPJ: 21.346.969/0001-99) at Rua Padre João Manuel, 755, 16º andar, São Paulo – SP, Brazil is an Authorized Partner (Representante) of Zurich Minas Brasil Seguros S.A. (CNPJ: 17.197.385/0001-21) at Av. Getúlio Vargas, 1420, 5th floor, Funcionários, Belo Horizonte, State of Minas Gerais through the SUSEP Process 15414.901107/2015-77. All World Nomads entities listed above, including nib Travel Services Europe, nib Travel Services Limited and nib Travel Services (Australia) Pty Ltd, are subsidiaries of nib holdings limited (ABN 51 125 633 856).