Trip Cancellation Travel Insurance Plans
Learn how trip cancellation benefits may help protect Canadian travellers who need to unexpectedly change their plans
- As featured in:
As featured in:
At a glance
- Cancel with confidence: Trip cancellation travel insurance is included in all World Nomads plans for Canadian residents
- Protection for plans that change: You may be reimbursed for prepaid, non-refundable trip expenses if you need to cancel your trip for an unforeseen, covered event
- Multiple covered reasons: Several unexpected situations may be covered such as sickness, natural disasters, strikes, and more
- More flexibility, if you want it: An optional ‘Cancel for Any Reason’ upgrade may be available for the Explorer and Epic plans, and allows you to cancel your trip for any reason up to 48 hours before your departure date
- Why should you consider travel insurance for trip cancellation?
- Covered Reasons for Trip Cancellation
- Exclusions
- Trip Cancellation Maximum Limits
- How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
- What you'll need to file a trip cancellation claim
- Traveller Tips
- FAQs
Why should you consider travel insurance for trip cancellation?
Even when you’ve meticulously planned out all of the details of your dream vacation, sometimes things happen that cause you to have to cancel your trip. What happens if you get sick before your vacation and your physician says you’re not well enough to travel? It’s painful enough to have to miss out on a foodie getaway to Italy or a safari through Africa, but it’s even worse to also lose all of the money that you’ve already paid toward your trip. With travel insurance with trip cancellation benefits, you may be reimbursed for the non-refundable, prepaid money you’ve spent for things like tours, transportation and hotel accommodations if you need to cancel for a covered reason.
Covered Reasons for Trip Cancellation
- Unexpected sickness or injury
- Death or sickness of immediate family member, travel companion, or business partner
- Travel advisories
- Job layoff or relocation
- Cancellation of previously approved vacation time by employer
- Call to military service
- Cancelled weddings
- Jury duty
- Airline delays that cause you to miss at least 30% of your trip
- Legal summons
- Felonious assault
- Financial default of your travel supplier
- Natural disasters
- Unannounced strikes
Exclusions
- Changing your mind about travelling
- Visas and passports that arrive late
- Events that are known before you buy your policy
- Events not listed as covered in your policy wording
- Epidemics and pandemics
- Pre-existing medical conditions that are excluded in the policy
Trip Cancellation Maximum Limits
| 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 $10,000 Get a quote |
How is the ‘Cancel for Any Reason’ travel insurance benefit different from ‘Trip Cancellation’ coverage?
Trip cancellation insurance is included in all World Nomads single-trip and annual multi-trip travel insurance plans for Canadian residents. It gives you the opportunity to cancel your trip before you depart – but only for covered reasons.
‘Cancel for Any Reason’ coverage allows you to cancel for a wider range of reasons, though – even if you just change your mind. The ‘Cancel for Any Reason’ travel insurance benefit isn’t automatically included, but it’s an optional add-on you can select if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip. With ‘Cancel for Any Reason’ coverage, benefits may be paid for 50% of prepaid, non-refundable deposits and payments you made towards your cancelled trip (up to policy limits), as long as you cancel your trip at least 48 hours before the scheduled departure date listed on your policy certificate.
What you'll need to file a trip cancellation claim
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately.
You can then file a claim online. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
Traveller Tips
As travellers ourselves, we’ve felt the heartache of having to cancel trips. Here are a few of our personal travel tips that may help you avoid painful cancellations.
- If you have an option to book refundable airline tickets, hotels, and tours, do it even if it costs a little more.
- When you get a quote for trip cancellation travel insurance, read the policy documents and make sure you understand the covered reasons for cancellation.
- If you think you may want to cancel for any other reason, consider adding on the optional ‘Cancel for Any Reason’ travel insurance that’s available if you purchase the Epic or Explorer plan within 15 days of paying the first deposit on your trip.
- Sickness is a significant reason travellers have to cancel their trips, so do your best to stay healthy. According to data shared by the Canadian Government, 15,000 Canadians spend time in the hospital each year because of the flu. If you need to cancel your trip because of sickness, make sure you get documentation to prove that your doctor advised you not to travel.
- Save all of your receipts. Every. Single. One. Don’t wait until you’re trying to make a claim – it’s painful digging through old emails to find those. Once you start planning your trip, create a folder and save everything in one place.
- Check out the Canadian Transportation Agency’s Air Passenger Protection Regulations to see what is covered by various airlines. Many airlines will cover things such as meals, hotel accommodations and transportation if a cancellation is due to circumstances within their control.
- Always try to get reimbursement from your airline first if they cancel a flight. Your travel protection plan is considered secondary coverage, and your travel insurance benefits may kick in after you’ve exhausted any benefits from the source of your cancellation.
- Before you book your trip, do your research and check out the Canadian government’s safety warnings for your destination before travelling. You can see if there are any natural disasters that your destination is prone to, such as volcanoes, flooding, tsunamis, wildfires, and more. This is also where they list any current travel advisories.
- As soon as you start planning an international trip, check the expiration date of your passport. If your passport is expired, or if you apply for one and don’t receive it in time, you won’t be able to make a trip cancellation insurance claim if you aren’t able to travel to your destination.
FAQ
Here are our most frequently asked questions about cancellation cover. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do all World Nomads plans include trip cancellation insurance benefits?
Yes, all single trip and annual multi-trip travel insurance plans for Canadian residents include trip cancellation insurance benefits. You may be reimbursed for prepaid, non-refundable expenses that you paid for in advance, but only if your situation is one of the cancellation reasons listed in your plan wording. Maximum limits vary by plan, and if you have any questions, you’re welcome to contact us.
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What does trip cancellation coverage include?
Trip cancellation is a benefit that reimburses you for unused, prepaid, non-refundable trip payments if you need to cancel for an unforeseen, covered event such as an illness, injury, a death in the family or an airline strike. Reimbursable costs may include things like airfare, train tickets, hotel rooms and/or tour expenses.
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What is the best travel insurance plan?
Only you can decide what the best travel insurance plan is for your particular needs. When you get a quote for travel insurance, you can compare the single trip and annual multi-trip plans side by side. Consider how much money you’ve spent on your trip, and review all of the plans to determine which is the best option for you. If you have questions about anything, you’re welcome to contact us and we can help explain the plans.
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Do I get my money back if I cancel a trip?
Trip cancellation coverage is offered by all single and annual multi-trip plans offered by World Nomads, and you could be reimbursed for unused, prepaid, non-refundable expenses like flights, tours and/or accommodations if your trip is cancelled for a covered reason (up to maximum benefits as shown in your policy documents).
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Does trip cancellation insurance cover sickness?
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician, or dies:
- You or your travel companion
- Your or your travel companion’s immediate family member
- You or your travel companion’s caregiver
- You or your travel companion’s key employee
- Your or your travel companion’s business partner
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How do I file a claim if I need to cancel my trip?
Should something unexpected happen that causes you to cancel your trip for a covered reason, you must notify us by no later than the next business day when you become aware of a trip cancellation. You’ll also need to cancel your trip booking immediately. You can then file a claim online. Be sure to save all your trip receipts – you’ll need to show proof of those prepaid, non-refundable expenses when you submit a claim. Make sure you have documentation showing the reason for your cancelled trip as well. Depending on the reason for your cancellation, you’ll need to provide required documents that may include:
- Receipts and invoices
- Proof of payment for the trip such as cancelled cheques or credit card statements
- Copies of tour operator or common carrier cancellation policies
- Itineraries
- A statement from your physician
- Police reports
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Baggage Travel Insurance for Canadian Travellers
Learn how travel insurance for baggage may help if your bags are lost, delayed, stolen or damaged
- As featured in:
As featured in:
At a glance
- World Nomads offers single trip and annual multi-trip travel insurance plans for Canadian residents that includes protection for baggage, sporting equipment, and personal items
- Lost, stolen, and delayed bags and sporting equipment may be covered
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for necessary personal effects for essential items such as clothing and toiletries, so you're not left wearing the same thing until you get your bags (up to maximum benefit limits as shown in your policy documents)
- Damaged or stolen passports, baggage, or personal items such as cameras and computers may be covered (up to the depreciated value and subject to per-item and maximum limits)
- Why should you consider travel insurance for stolen, lost or delayed bags?
- What’s Covered by Baggage Insurance
- Important to Know
- Maximum Limits for Baggage and Personal Items
- How to Make a Claim for Lost or Stolen Baggage and Personal Effects
- Travel and Packing Tips
- FAQs
Why should you consider travel insurance for stolen, lost or delayed bags?
We’ve been the ones sitting at the baggage carousel waiting for the bag that never came, and unfortunately, we’re not the only ones. Data reported by TravelPulse Canada showed that almost one in three Canadians have had their luggage misplaced by an airline. Because of that, you may want to consider getting a quote for travel insurance for baggage and personal effects. If your bags are lost by a common carrier, travel insurance may reimburse you for the depreciated value to replace items such as clothing, cameras, computers and more (maximum benefit limits and per-item limits apply).
Sometimes your bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you may be reimbursed for things such as toiletries or a change of clothes (up to maximum benefit limits shown in your policy).
What’s Covered by Baggage Insurance
- Baggage delays by your airline or other common carrier on the way to your destination
- Bags and sporting equipment lost or damaged by your airline or common carrier
- Stolen baggage or personal items (including your smartphone or camera)
- Stolen sporting equipment
- Sporting equipment delay
- Damaged, lost, or stolen passports and IDs
Important to Know
- Bags left unsupervised or in an unlocked car won’t be covered
- Stolen items must be reported to the local authorities and you must obtain a police report.
- Benefits are payable only after you’ve exhausted reimbursement from your transportation carrier or other responsible parties
- Lost or stolen items are subject to depreciation
- Coverage is subject to per-item and total maximum benefit limit amounts as shown in your policy
Maximum Limits for Baggage and Personal Items
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
|
Baggage Loss: Up to $1,000 CAD total, and up to $500 per item Baggage Delay: Up to $250 Travel Documents Theft or Damage: Up to $250 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 for each item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
Baggage Loss: Up to $5,000 total, and up to $1,500 per item Baggage Delay: Up to $1,000 Travel Documents Theft or Damage: Up to $1,500 Get a quote |
Baggage Loss: Up to $2,000 total, and up to $1,000 per item Baggage Delay: Up to $500 Travel Documents Theft or Damage: Up to $750 Get a quote |
How to Make a Claim for Lost or Stolen Baggage and Personal Effects
If your baggage or personal effects get stolen or damaged, you must notify us within 24 hours of the loss. You must also report the theft or damage to police, as well as your tour operator representatives, the hotel manager or official transportation representative, and obtain a written report.
When making a claim, you may need to submit documentation such as:
- A letter of coverage or denial from the transportation carrier or other responsible party
- The written report regarding the theft or damage
- Receipts for all lost or stolen articles over $149.99 CAD
Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen while travelling. These are challenging circumstances, but there are a few essential traveller tips that can help you be proactive, in hopes that you can avoid these situations.
- Consider travelling with a carry-on only. 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 and hearing aids are in your carry-on. You won’t want to be without those things and travel insurance for lost or delayed bags won’t cover those items.
- If you need to make a claim for a lost or stolen bag, you’ll need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing prior to leaving on the trip.
- Enable location tracking on your phone, tablet and laptop.
- Leave the flashy jewelry and valuables at home.
FAQ
Here are our most frequently asked questions about cover for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do World Nomads plans include travel insurance for lost or delayed bags?
Yes, all World Nomads plans include travel insurance for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-item and maximum limits. You can then see which travel insurance plan is the best for your needs.
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Does travel insurance include coverage for stolen bags?
If your bags are stolen while you’re travelling, and you didn’t leave them unattended, you may be able to be reimbursed for the depreciated value of certain items that you can prove you owned. Make sure you report the theft to local authorities as soon as it happens though and obtain a written report – you’ll need that documentation. Also, per-item and maximum limits apply, so you’ll want to reference your policy to see how much you may be able to claim. If you have any questions about what you may be able to claim, contact our team.
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What do I do if the airline loses my bags?
If your airline loses your checked baggage, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. After you’ve exhausted reimbursement benefits from your airline or other responsible party, you can submit a claim; travel insurance may cover the depreciated value of lost items (up to the maximum benefit limits and per- item limits shown in your policy). You’ll also need to keep any relevant tickets, luggage check information, receipts and other documentation related to the issue. You’ll need these items if you plan to make a claim.
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Does travel insurance cover pickpocketing?
Pickpocketing is common in some destinations and is especially prevalent in areas where there are large crowds. While there are things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance may cover the cost to replace your stolen items (subject to depreciation). Just make sure you make a report with the local police as soon as it happens and obtain a written report. You will need this documentation if you plan to make a claim.
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What should I do if my passport is stolen?
If your passport is stolen, or accidentally damaged while you’re travelling, your travel insurance may reimburse you for the cost of a replacement (up to maximum limits as shown in your policy documents).
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss or theft.
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Why do my items get depreciated?
Travel insurance is about replacing what was lost, not helping you update your cameras or wardrobe. You may be eligible for reimbursement of the actual cash value (which is the purchase price less any depreciated value) or the cost of replacement. The policy defines depreciated value, making proper allowances for wear and tear based on the age of the item.
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If my bags are delayed, what may I be reimbursed for?
If your checked-in bags are delayed by your airline or other common carrier for 12 hours or more en route to your destination, your plan may provide reimbursement for necessary personal effects such as essential items like clothing and toiletries, so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
If you’re not sure what you can claim, contact our team.
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Are high value items covered by travel insurance?
If a high-value item has been stolen or damaged, you are able to submit a claim up to the maximum benefit limits applicable to the baggage, personal effects and sporting equipment section of the policy.
Keep in mind that there are some things that we don’t cover at all such as antiques and collectibles, furniture and fragile objects. Always read your plan wording carefully to ensure you have adequate coverage for your needs. Still not sure? Get in touch with us and we can help you figure out what’s best for your circumstance.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Travel Insurance Benefits for Delayed Bags
Learn how travel insurance benefits may help US Residents if an airline delays their bags
- As featured in:
As featured in:
At a glance
- World Nomads Travel Insurance has four travel protection plans available for US residents, with some plans that offer higher limits of coverage
- Travel insurance benefits for delayed bags are included in all World Nomads plans (per-day and maximum limits vary by plan)
- If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for essential items like toiletries and a change of clothes
- A non-insurance service that’s included with all plans may help reunite you with lost checked baggage
- Why should I consider travel insurance and non-insurance assistance services for delayed bags?
- Items You May Be Reimbursed For
- Some exclusions that may not be covered
- Maximum Benefit Amounts For Baggage Delay
- What to Do If Your Bags Are Delayed
- FAQs
Why should I consider travel insurance and non-insurance assistance services for delayed bags?
According to the Bureau of Transportation Statistics, more than 5% of bags are lost, damaged, delayed, or pilfered by US air carriers*. If your luggage goes missing, World Nomads Travel Insurance offers travel protection plans with two ways to help—first by helping track it down with an included non-insurance service perk, and second by helping cover essential purchases while you wait. The non-insurance service covers every flight, anywhere in the world. If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still missing, your next message should be to our Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly.
If your checked-in bags are delayed or misdirected by your common carrier for more than 12 hours en route to your destination, your plan may also reimburse you for essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and necessary essential items, such as a warm coat if you’ve arrived at the ski slopes in Japan. (Per-day and maximum limits apply.)
Items You May Be Reimbursed For
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
- Reasonable essential items deemed necessary
Some exclusions that may not be covered
- Eyeglasses, sunglasses, or contact lenses
- Hearing aids
- Orthodontic devices
- Prescription medications
- Credit cards**
- Tickets**
- Cash and documents**
**(except as otherwise specifically covered herein)
Maximum Benefit Amounts For Baggage Delay
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 total Get a quote |
What to Do If Your Bags Are Delayed
- Report it to your airline or other common carrier.
- Complete all documentation required by the carrier.
- Contact our Delayed or Lost Baggage Tracking and Delivery service partner and provide them with the file reference, record locator number, and Property Irregularity Report.
- If your checked bags are delayed by your common carrier for at least 12 hours, you may be reimbursed for essential items such as toiletries and a change of clothes. Review your plan documents to see what your per-item and maximum limits are.
- Don’t go on a shopping spree and get a new wardrobe if your bags are delayed. Consider what can actually be considered ‘essential’ items versus ‘wants’. Call the 24/7 Emergency Assistance Team if you want to be sure (we highly suggest you do this so there won’t be surprises).
- Save receipts for all items you purchase.
- You’ll then need to file a claim online within 20 days after a loss occurs.
- Submit relevant receipts for the items you buy as part of the claim process within 90 days.
FAQ
Here are our most frequently asked questions about cover for delayed bags You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do all World Nomads plans include travel insurance for delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for delayed bags, though each plan has different per-day and maximum limits. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per-day and maximum limits. All plans also include access to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner that could help reunite you with your bag if it is lost or delayed.
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What should I do if my bags aren’t at the airport when I land?
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next message should be to our non-insurance Delayed or Lost Baggage Tracking and Delivery service partner. They will get on the case and may get your bag headed in the right direction, quickly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide the file reference, record locator number, and Property Irregularity Report.
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Can I get new clothes to wear until my bags are found?
If your baggage is delayed for at least 12 hours, you may be reimbursed for toiletries and a change of clothes until you and your bags are reunited. Per-day and maximum benefit limits do apply though, so this doesn’t mean you should go on a shopping spree and buy expensive designer outfits.
Items you can claim reimbursement for if your bags are delayed include things like:
- Underwear
- Socks
- A change of clothes
- Toiletries
- Pajamas
If you’re not sure what you can claim under your baggage delay travel insurance benefits, contact our team.
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Can I be reimbursed for a new coat if my bag is delayed and I’m in a cold destination?
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan may reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned. You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), you may be reimbursed for that.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items.
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What is the non-insurance delayed and lost baggage tracking and delivery service?
This is an additional service that is included in your World Nomads Travel Insurance plan. If your checked baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may help. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
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Do travel insurance benefits cover lost and stolen bags?
Yes, certain travel insurance benefits may cover lost and stolen bags (up to per item and maximum benefit amount) Terms and conditions apply. When you get a quote for travel protection with baggage benefits, you can compare the plans side by side. If you’re not sure what’s covered, contact our team.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Baggage Travel Insurance Benefits
Learn how travel insurance benefits for baggage may help protect US Residents if bags are lost, delayed, or stolen
- As featured in:
As featured in:
At a glance
- Travel insurance benefits for lost, damaged, destroyed, stolen, or delayed bags are included in all World Nomads Travel Insurance protection plans
- If your bags are delayed by at least 12 consecutive hours or more on the way to your destination, you may be reimbursed for necessary personal items until you are reunited with your belongings
- Our non-insurance service included in every plan tracks and delivers missing checked bags
- Stolen baggage, passports, or personal items such as cameras and computers may be covered (Up to per item and maximum benefit amount) Terms and conditions apply.
- Why consider travel insurance and non-insurance assistance services for lost or delayed bags?
- What May Be Covered in your plan
- Important to Know in the Event of a Claim
- Baggage and Personal Effects Maximum Amounts
- Baggage Delay Maximum Amounts
- What to do if your bags or belongings are lost, stolen, or delayed
- Recommended Travel and Packing Tips
- FAQs
Why consider travel insurance and non-insurance assistance services for lost or delayed bags?
If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain for your belongings to appear, you know the sinking feeling that comes with losing your luggage. According to a 2024 air transportation study*, major airlines mishandle roughly 6 bags per 1,000 passengers — which equal over 33 million mishandled bags globally. Sometimes they just took a detour and ended up elsewhere temporarily, but occasionally they’re gone forever. Neither scenario is any fun, but a single-trip or annual travel protection plan that includes travel insurance benefits for lost or delayed bags may be able to help when your bag ends up somewhere other than where it’s supposed to be.
What May Be Covered in your plan
- Reimbursement for the purchase of necessary personal Items (like toiletries or a change of clothes) if your baggage is delayed by a common carrier for at least 12 consecutive hours on the way to your destination
- Delayed or lost baggage tracking and delivery service
- Stolen bags or personal items (may include your phone or camera.) Terms and conditions apply.
- Non-insurance assistance services to help with stolen passports, visas, or other travel documents
Important to Know in the Event of a Claim
- Coverage is secondary to any reimbursement you receive from your common carrier
- Subject to per-item and total maximum benefit amounts with the baggage and personal effects benefit
- If you leave your bags unattended and they get stolen, you may not be covered
- If your bag is lost or stolen, you must report it to the local authorities (airline, police, etc.) and get documentation of it
Baggage and Personal Effects Maximum Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| $500 maximum benefit payable per article, up to $1,000 total Get a quote |
$1,000 maximum benefit payable per article, up to $2,000 total Get a quote |
$1,000 maximum benefit payable per article, up to $3,000 total Get a quote |
$500 maximum benefit payable per article, up to $2,000 per trip Get a quote |
Baggage Delay Maximum Amounts
|
Standard Plan |
Explorer Plan |
Epic Plan |
Annual Plan |
| Up to $150 per day, up to a maximum of $750 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
Up to $250 per day, up to a maximum of $1,250 Get a quote |
Up to $200 per day, up to a maximum of $1,000 Get a quote |
What to do if your bags or belongings are lost, stolen, or delayed
- If your bags are delayed, lost, or stolen, report it to your common carrier (airline, train, etc) or local authorities. Save proof of the report, documentation confirming delivery as well as reimbursement and receipts for essential items.
- Complete all documentation required by the carrier.
- If your bags are lost by an airline, contact our Delayed or Lost Baggage Tracking and Delivery service partner.
- Review your plan documents to see what your per-item and maximum benefit amounts are.
- If you need to purchase replacement items for a baggage delay, consider what can actually be considered ‘essential’ items versus ‘wants’ and save all receipts. You can file a claim online, but make sure you do it within 20 days after a loss occurs or as soon as is reasonably possible. In order to claim your travel insurance benefits for lost or delayed bags, you’ll need to provide required documents within 90 days of the loss.
Recommended Travel and Packing Tips
Nobody wants to deal with things like stolen iPhones or lost luggage, but unexpected things can happen when traveling. These are challenging circumstances, but there are a few essential traveler tips that can help you be proactive to try to avoid these situations.
- Consider traveling with a carry-on only. This can be the best way for you to avoid bags getting lost or delayed by your airline. If you must check a bag, put a tracking device in it so you can check in on its whereabouts.
- 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.
- In the event of a claim, receipts may be needed. Original receipts (if available) and a complete list of stolen, damaged or lost item(s) must be provided along with proof of loss providing amount of loss, date, time and cause of loss, and a repair estimate, if the item(s) is damaged; The easiest way to do this is to save receipts and take photos of what you are packing, prior to leaving on the trip.
FAQ
Here are our most frequently asked questions about cover for baggage travel insurance benefits. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
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Do all World Nomads plans include travel insurance benefits for lost or delayed bags?
Yes, all of the travel protection plans offered by World Nomads Travel Insurance include travel insurance benefits for lost or delayed bags. When you get a quote, you can compare the coverage and limits in our plans side-by-side to see per item and maximum benefit amounts.
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If my bags are delayed, what necessary personal items could I be reimbursed for?
If your bags are delayed by at least 12 consecutive hours or more en route to your destination, your plan may reimburse you for the necessary personal items like:
- Socks
- Underwear
- A change of clothes
- Toiletries
- Pajamas
Be sure to look at your plan wording, including per-day and maximum benefit amounts, before making any purchase to replace your delayed items. If you’re not sure what you can claim, contact our team.
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What is the non-insurance delayed and lost baggage tracking and delivery service?
If your baggage is lost or delayed by an airline, our partnership with a Delayed or Lost Baggage Tracking and Delivery Service may come to your rescue. This non-insurance service tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form. You’ll need the file reference, record locator number, and Property Irregularity Report.
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Could high value items be covered by the Baggage and Personal Effects travel insurance benefit?
Higher valued items like jewelry, watches, silver, gold or platinum items, furs and articles trimmed with fur, cameras, and camera equipment may be covered but are subject to special limits. Terms and conditions apply. Always read your plan wording carefully to ensure you have adequate coverage for your needs. If you still have questions, contact our team and we can help you figure out what’s best for your circumstance.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
Emergency Medical Expense Coverage for Accidents and Sicknesses
Accidents happen. Learn how US residents can protect their trip with emergency medical expense coverage
- As featured in:
As featured in:
At a glance
- Emergency medical help abroad: Accident & Sickness Medical Expense coverage for hospital stays, ambulance transport, prescriptions, and emergency dental treatment when you’re injured or sick overseas.
- Medical evacuation and repatriation benefit: World Nomads Travel Insurance may help cover the cost of Emergency Medical Evacuation if needed. (Subject to Approval)
- 24/7 global assistance: Our non-insurance Emergency Assistance team is on call 24/7 to help you find suitable care, communicate with doctors, and coordinate logistics in any language and in any time zone.
- Stay healthy on the road: Get pre-trip telehealth advice, upload portable medical records, and follow simple steps to prevent foodborne illness and altitude sickness while traveling.
- Why consider travel protection for medical emergencies abroad?
- Accident and Sickness Medical Expenses that may be covered
- What May Not Be Covered
- Accident and Sickness Medical Expense Coverage Maximums
- Our recommendations in the event of an unexpected medical emergency on your trip
- What you’ll need to file a claim
- Traveler Tips
- FAQs
We’ve seen just about everything on the road—from motorbike spills and sudden illnesses to allergy attacks and even a shark bite. When the unexpected happens, knowing who to call and how to get help overseas can make all the difference. With a plan from World Nomads Travel Insurance, you can explore with confidence knowing you’re prepared for those “just in case” moments.
Why consider travel protection for medical emergencies abroad?
One of the top reasons our nomads buy travel protection plans that include the medical expense insurance benefit is to protect themselves if they get sick or injured while abroad. Food poisoning, car accidents, or sudden illness can strike when you least expect it. In fact, 27% of claims across all US travel insurance companies in 2024 were for situations like this. Sometimes you just need a doctor to prescribe medicine, but serious cases may require hospitalization, surgery, or emergency evacuation.
Your regular health insurance back home may not cover you once you leave the country. With travel insurance that includes the medical expense coverage, you can get help arranging treatment and avoid paying high out-of-pocket costs if you end up in a hospital or need emergency care while traveling.
The non-insurance Emergency Assistance Team is available 24/7, 365 days a year. They should be your first call in any emergency, if the situation allows it. They’ll ask you:
- Your plan number (if you have it on you)
- A contact number to reach you
- The nature of your emergency
- Your location
- Any prescribed medication
- Call them at: 1-877-289-0968 within the United States and 1-954-334-8143 from anywhere in the world.
Accident and Sickness Medical Expenses that may be covered:
- Hospitalization
- X-Rays and Lab Tests
- Prescribed Medicines
- Ambulance Transportation
- Transportation to Your Primary Residence (Repatriation), if deemed medically necessary
- Emergency Dental Treatment
What May Not Be Covered:
- Non-emergency treatment that can wait until you return home
- Care or treatment that is payable under any other insurance plan
- Ongoing treatment at home
- Any reckless or illegal behavior, including being under the influence of drugs or alcohol
Emergency Medical Coverage: Plan Comparisons
| Standard Plan | Explorer Plan | Epic Plan | Annual Plan |
|---|---|---|---|
| $125,000 per person Get a quote |
$150,000 per person Get a quote |
$250,000 per person Get a quote |
Up to $100,000 per person Get a quote |
Please note - plan benefits and provisions may vary by state jurisdiction.
Our recommendations in the event of an unexpected medical emergency on your trip
- Get to safety. In a serious emergency, go to the nearest hospital or safe location immediately.
- Call our non-insurance 24/7 Emergency Assistance team. They can recommend trusted doctors or clinics nearby.
- Stay in touch during treatment. As the unexpected situation develops, keep our team informed so they can continue to assist you.
- Need to be moved? If medically necessary, the non-insurance Emergency Assistance team can help arrange medical evacuation or repatriation— contact our team first before organizing transport yourself.
- Keep your paperwork. Save all medical reports and receipts, then file a claim within 20 days after a loss occurs or as soon as is reasonably possible.
What you’ll need to file a claim
The exact documentation will vary, depending on the care you received and the out of pocket expenses you paid. Some examples of required documents could include:
- Discharge records of injury or illness and reports for medical and/or dental expenses claimed
- Copies of all bills, receipts, invoices from the provider of services
- An incident report from the local authorities
- An explanation of benefits from any other applicable insurance
Our Recommended Traveler Tips
- Make use of our non-insurance service perks included in all plans.
- Pre-Departure Telehealth Service – chat virtually with a medical professional who can prescribe you travel medications, like for altitude sickness or traveler’s diarrhea. They can even prescribe you necessary vaccines.
- Portable Health Records – upload your medical records online so your necessary information travels with you.
- Be aware about food and water. To avoid foodborne illness while traveling, follow the rule: boil it, cook it, peel it, or forget it. Don’t forget about safe water for brushing your teeth too.
- Prepare a basic travel health kit. Pack essentials like pain relievers, bandages, electrolyte packets, and prescription meds. Include copies of your health insurance card and emergency contact numbers.
- Stay aware of altitude and climate risks. If you’re traveling to high elevations or hot, humid regions, learn the symptoms of altitude sickness or heat exhaustion and pace yourself.
FAQ
Here are our most frequently asked questions about cover for overseas medical insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
-
Why should I purchase a travel protection plan?
Many U.S. health insurance plans may not cover you outside the country, which can make medical care abroad expensive. World Nomads Travel Insurance offers plans that may help reimburse costs for hospitalization, prescriptions, and emergency evacuation — plus offer support if your trip is interrupted or your belongings are lost.
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What should I do in the event of a medical emergency while traveling abroad?
If you get hurt or sick while on vacation, contact local authorities as soon as you’re able to do so for immediate attention. If you are experiencing a medical emergency while on your trip, contact our 24/7 non-insurance Emergency Assistance Team at your earliest opportunity. They can direct you to an appropriate medical facility if you are sick or injured, plus much more! Be sure to have your plan number handy so they can find your information easily.
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Why should you consider emergency medical evacuation coverage?
If you’re traveling to a remote area or a destination with limited medical facilities, including cruise ships, medical evacuation coverage might be necessary . It could cover the cost of transport to the nearest suitable hospital or even back to your primary residence if medically necessary. Terms and conditions apply.
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What activities are covered by World Nomads Travel Insurance?
World Nomads is known for covering more than 250 adventure activities — from hiking, motorbiking, and adventure sports. Check your plan details to confirm which activities may be covered before you go.
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Are pre-existing medical conditions covered?
Pre-existing conditions are excluded from our plans. However, you could be eligible for the Pre-Existing Medical Condition Exclusion Waiver if you purchased the Epic or Explorer plan during the time-sensitive period. Additional terms apply.
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How do I file a travel medical expense claim after my trip?
Save all documentation — medical reports, receipts, and discharge papers. You can file your claim online within 20 days after a loss occurs or as soon is reasonably possible.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
