Travel Insurance for Natural Disasters
Find out how earthquakes, volcanoes or tsunamis may be covered by travel insurance.
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- What’s covered for natural disasters
- What’s not covered by travel insurance in the event of a natural disaster?
- Claims process made simple
- FAQ’s
Natural disasters not only cause physical harm, they also shut down airports, wipe out accommodation and cancel trips. While natural disasters are unpredictable, some give off enough warning so you're not caught off guard.
While you can’t control the weather, you can do your part to insure yourself against unexpected weather events. If you don’t want to risk it, you should consider travel insurance on your next trip just in case it gets cancelled, or you become stranded overseas and need to pay for additional accommodation and flights.
What’s covered
If you’re affected by a natural disaster, you may be able to make a claim for:
- Trip cancellation: You must do what you can to minimize your expense (which may mean cancelling your booking) and notify us as soon as possible within seven days.
- Trip interruption: You can make a claim for pre-paid, non-refundable travel arrangements that you haven’t been able to use, such as flights and other types of transportation, tours and hotels.
For World Nomads policies that do cover natural disasters in one way or another, you'll need to have bought a policy before the natural disaster event is known and do everything you can to minimize your expenses.
For example, if you’re a UK resident, you’ll be covered for reasonable additional accommodation (room only) and transport costs (Economy Class) you incur during your trip, if you’ve taken out the Explorer plan and you:
- Cannot use your booked accommodation during your trip due to a natural catastrophe.
- If you need to move to the nearest place of safety due to a natural catastrophe.
Always read the policy wording as you go through the purchase path, as there are terms and conditions, limits and exclusions on the cover. Cover will depend on your Country of Residence and which plan – Standard vs Explorer – you buy.
Travel insurance tip: If your destination is impacted by a natural catastrophe or severe weather then you must contact our 24/7 Emergency Assistance Team as soon as possible so we are advised of the situation. If you do not comply with this condition, it may impact what we pay you for your claim.
What’s not covered by travel insurance in the event of a natural disaster?
- If you don’t follow the advice of the authorities.
- If you hang around to watch what happens.
- If you buy a policy after an event becomes known.
For more information regarding cover for natural disaster check out our Help Center article - Am I covered for a natural disaster? Just pick your country of residence in the country picker at the top of the page to access the latest information.
Claims process made simple
In the event that you need to file a claim, we’ve created this easy to follow step-by-step guide. Be sure to gather the following documentation, as it pertains to your case:
- Proof of all non-refundable, prepaid deposits or payments.
- Complete unused transportation tickets and vouchers.
- Original receipts for any expenses incurred because of the natural disaster.
- Original receipts for any new tickets.
- Invoices and original receipts from travel service providers.
If you have any questions about how World Nomads travel insurance covers natural disasters, please contact us.
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.
If you’re traveling to a region that’s known for natural disasters, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural disaster impacts your trip, you won’t be covered for any expenses.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
Tsunami in Sumatra.
One night, I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
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 hospitalised?
- 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?
- Medivac 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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamFAQ
Here are our most frequently asked questions about natural disasters and insurance. You can also find the answers to other questions in our Help Center.
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Will I be covered if my trip is delayed due to a natural disaster?
If your trip is delayed due to a natural disaster, you may be covered for travel delay benefits. However, this will depend on the plan you purchased and your Country of Residence. Always read your policy to find out what is the minimum number of hours required there is for a trip delay. If a natural disaster delays your trip by the specified number of hours, your travel insurance plan can reimburse you for your reasonable and necessary prepaid trip expenses such as meals, hotel rooms, communication and transportation, up to the benefit limit of your plan.
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What if I change my mind about traveling to destination due to a possible natural disaster?
Unfortunately, you will not be covered if you cancel your trip due to fear of travel or just changing your mind. The above features and benefits are a summary of cover only. Take the time to read the terms, conditions, limitations and exclusions in the policy wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
Why buy travel insurance
Traveling is expensive and accidents can be even more so. Get covered by World Nomads Travel Insurance.
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Understand the key parts of World Nomads travel insurance
Appendicitis in Chiang Mai.
I just wanted to let everyone know how deeply and forever grateful I am for all the help I received from World Nomads insurance in one of my more painful and scary moments of my life. I never wished or intended to EVER use my insurance, and I have never used any of the ones I had in previous travels, but this time a sudden and excruciating stomach pain forced me to the Hospital while being in Thailand (Chiang Mai Ram Hospital). I thought I would get the right antibiotic and more powerful meds through an IV and end of story. But no, the actual case was that my appendix was inflamed and infected, and the only way of dealing with this was surgery. I just couldn't believe it! So yeah, it was scary, I was alone, and they were awesome, replied right away through e-mail, which was fantastic because I did not have time to make phone calls, then alongside the International Patient Services from the Hospital, took care of everything and saved my life. I just want everyone to be aware of the importance of having insurance, and a good one, even if they think they're healthy and nothing bad is going to happen, unexpected things happen all the time, and it can ruin your fun AND your budget. I am very thankful I had my World Nomads insurance by my side, and you can be sure I will always have it on every future trip.
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
- Come to a sticky end?
- Called to jury duty?
- Been made redundant?
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 drugs?
- 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?
- You or a family member dead?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamTravel and Holiday insurance
Simple and flexible travel insurance for international travel. Buy, extend and claim online anywhere in the world.
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Good news, travel insurance just got up to 15% cheaper*.
No promo, no countdown. Just lower prices on the cover you need for your next adventure.
Get a quoteChoose the cover that best suits your needs
Single trip
- Up to 365 days of cover in one trip.
- Flexibility in customising your coverage and destinations.
- Can be more cost effective compared to Annual Multi-Trip if you're a less frequent traveller
Annual Multi-trip
- Unlimited trips within 12-month period.
- Cover for both international and domestic travel.
- Convenience – no need to arrange travel insurance for each trip.
- Can be more cost effective compared to Single Trip if you're a more frequent traveller
A true claim story
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 hospitalised?
- Called to jury duty?
- Been made redundant?
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
- 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
- Injured abroad?
- Need a hospital urgently?
- You or a family member die?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Passport pilfered?
- Tech Trashed?
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)
We cover 150 + Adventure Activities you love + more
- Scuba diving
- Mountain biking
- Surfing
- Bungee jumping
- Skiing
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamFAQ
Here are our most frequently asked questions. You can also visit our help center for more answers.
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Do you cover adventure sports and activities
Yes - our travel insurance plans offer cover for more than 150 adventure sports and activities.
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Am I covered if I need to see a dentist while overseas?
Yes, there’s cover if you need to go to a dentist while abroad for emergency dental treatment.
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Do you need to include stopovers as a destination when buying travel insurance?
While there may be many reasons to buy travel insurance to help protect you for unforeseen events such as trip cancellation, injuries, overseas medical or dental emergencies, or baggage cover, you don’t need to purchase any extra travel insurance if you are making a quick stop-over in a country and not planning to leave the airport.
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Can I buy travel insurance if I'm already overseas?
Yes - If you're a UK resident then you are most welcome to buy a policy while already travelling, although waiting periods and limitations may apply,
Travel Insurance for Digital Nomads
Learn how your tech could be covered while you're working or traveling overseas.
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In today’s tech-centric world, taking your gadgets on the road is just as common and essential as packing an extra pair of socks. Whether you’re plugging into your social network or working remotely in a hub, we can help you protect your laptop, smart phones and other devices.
Travel Insurance: How can my electronics be covered?
Our policies may offer cover for a wide range of gadgets: iPhones, smartphones, iPads, Kindles, tablets, cameras, lenses and laptops. But how we can cover your items (and how much) depends on your Country of Residence and the plan you have selected. With Standard and Explorer travel insurance plans to choose from, we may offer cover for:
- When your gear is stolen, under your supervision
- Tech devices destroyed by a fire or a natural disaster.
Note: depreciation and wear and tear will be taken into account when calculating the value of your electronic items.
Does World Nomads travel insurance cover my tech?
Watch the video to learn how our travel policy can provide cover for all of your tech gear during your travels.
What's not covered by travel insurance?
- When you leave your gear behind
- Electronic malfunctions (you can take that up with the manufacturer)
- Any damage incurred when you check your device into your luggage
- Devices older than the policy can cover
- Items that can't be proved that you own (for example, you don't have a record of their purchase).
This is not a full list of what's covered and not covered. Other terms, conditions and exclusions may apply. Please read your policy carefully.
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.
Get a quote 24/7
With World Nomads you can buy travel insurance before you go or when you're already traveling any time anywhere 24-hours a day. Get an instant quote today.
Tips for Digital Nomads
- Find and scan your receipts before you leave.
- If an airline loses your gadgets, notify them right away and get a record.
- Theft? Report it to the police as soon as possible.
- Password protect your devices and enable the lock screen if possible.
- Make a claim at home or on the road.
Bag snatched in Latvia.
It was my final day in Riga, Latvia. In my small bag I keep all my valuables, because hostels can't always be reliable with safekeeping. It contained my new GoPro, Iphone, digital camera, laptop and hard drive, plus my emergency money (200 euros). I planned on using my cameras and computer for editing later that afternoon. The coast was amazing and, as it got late, I decided to take the train back to Riga city. As I was getting off the train, down the vertical steep steps, I had my bag snatched off my shoulder. In seconds, the doors closed and the train pulled off. Telling authorities on the platforms immediately, they could not assist and referred me straight to the police. Feeling helpless, I went to the police where I was kept for hours, because of English barriers and translations of documents. I walked out just after midnight with my report. A day trip I won't forget soon.
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 hospitalised?
- 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?
- Medivac 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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamFAQ
Here are our most frequently asked questions about travel insurance for digital nomads. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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If I've not specified my items, why do they get depreciated?
Electronics age and get knocked about. Depreciation happens to match the claim with the item's current price, not cost price. Always read your policy wording to make sure you understand the wear and tear and depreciation terms and conditions, limitations and exclusions. If you are unsure get in touch with us.
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If my electronics are out of warranty, can I claim if there's a malfunction?
The policies exclude cover where there's an electronic malfunction.
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Why won't you cover electronics if they're checked-in with an airline?
Because electronics are fragile and checked-in luggage can easily be damaged.
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What if I don't have receipts for all of my items?
You'll need to show proof of ownership - enough evidence to 'tip the balance' if you're lodging a claim.
Does Travel Insurance Cover Pre-existing Conditions?
Most of our policies don’t cover pre-existing conditions, so don’t assume you’re covered.
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Having a pre-existing medical condition isn't a reason to stop traveling, but it can affect your travel insurance and what you’re covered for. Whether you're traveling off the grid or blogging in it, it's best to know if we can cover your pre-existing condition before your travel, so you're not caught unaware.
- What is a pre-existing medical condition?
- How are pre-existing medical conditions covered by travel insurance?
- Is Coronavirus a pre-existing medical condition?
- What's not covered by World Nomads Travel Insurance?
- Frequently asked questions
What is a pre-existing medical condition?
A pre-existing medical condition is any ongoing medical or dental condition that is either under investigation by a doctor, dentist or chiropractor, or you have experienced symptoms of the condition and are aware of them. It may also be any condition(s) you experienced within a specified period of time before you purchased your policy, for example in the previous 90 days, 180 days or other specified period of time.
It is important that you read your policy wording and any definition of a pre-existing medical condition and determine if the cover offered will meet your needs.
In addition, if you took out cover after you left home, there may be a waiting period (called a time excess in some policies) of up to 72 hours before the insurance takes effect, depending on your Country of Residence. Any illness or injury that occurs during this waiting period may be considered a pre-existing medical condition for the remaining period of your insurance.
How are pre-existing medical conditions covered by travel insurance?
Depending on your Country of Residence our policies may not cover pre-existing medical conditions. Check your policy information for your Country of Residence to see whether your pre-existing medical condition might be covered in your travel insurance policy.
In most instances our policies still cover many events for travelers with pre-existing medical conditions that can take place while on the road, as long as the event is not as a result of the pre-existing medical condition(s). This includes cover for:
- Baggage and personal belongings
- Medical, including evacuation and repatriation for unexpected illness and accidental injury that are not pre-existing medical conditions
- Natural catastrophe
- Lost or damaged passports, licenses or other travel documents
- Travel delay.
Our policy may also cover cancellation if, after you’ve purchased the policy and before you start your trip, you or someone whose health your trip is dependent on suffers a serious illness or injury.
To find out more about how to utilise your travel insurance in an emergency and how to claim visit our help center ‘Emergency & Claims’ page where you can find details for common questions.
Is Coronavirus a pre-existing medical condition?
It can be.
To find out more about Coronavirus (COVID-19) coverage for your Country of Residence, select your Country in the top left-hand corner of this screen. Or to read more about what cover applies to you, read our What’s Covered for Coronavirus article which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
What's not covered by World Nomads Travel Insurance?
Travel insurance isn’t designed to cover everything. The main things that aren’t covered are:
- Pre-existing medical conditions as defined in the policy wording, unless specifically mentioned as covered in the policy
- Any medical expenses once you return home
- The sickness you caught overseas right before you remembered to buy a policy.
This isn't a full list of what's covered and not covered. There are item limits, conditions and exclusions that apply, so for more information check out our article on pre-existing medical conditions and read your policy wording carefully before you buy. If you’re not sure if something is covered get in touch.
Frequently asked questions
Looking for answers? Here are some of our frequently asked questions relating to insurance for anyone travelling with a pre-existing medical condition. You can also visit our Help Center for more information, or get in touch with our friendly customer service team for any specific questions.
Which existing medical conditions are not covered by my travel insurance?
It’s important to protect yourself and your trip - even with a pre-existing medical condition. Depending on the policy you choose and your Country of Residence, it’s worth considering whether or not your existing medical condition is covered before you embark on your travels. While we offer cover for a range of pre-existing medical conditions, there are some we do not cover. Check your policy wording and the conditions of your travel insurance policy to see whether your pre-existing medical condition will be covered while you’re on the road. Still not sure? Get in touch and we can go over the policy wording with you.
My existing medical condition isn’t covered but I still want travel insurance, can I buy a policy through World Nomads?
Absolutely. If you’ve checked and your pre-existing medical condition is not covered but you’re not concerned about covering it, you can still buy a World Nomads travel insurance policy online. It’s important to note though, any claim made in relation to your pre-existing condition will not be valid as part of your cover.
About World Nomads
World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at www.worldnomads.com. All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
If your pre-existing medical condition isn't covered and you're not worried about covering it, you can still purchase a policy online through World Nomads. Just be aware there's no coverage for any claim made as a result of this pre-existing condition.
New Diagnosis in Mexico
I realized I had forgotten a medication (clonazepam) that I take for insomnia. I visited a doctor in Mexico City the next day and got a prescription for the medication. However, he also diagnosed me with a condition that I was not aware of (hyperthyroid) and suggested that the medication would help with the condition on a short-term basis. He suggested that I get a blood test for hyperthyroid, which I just did in Boston.
J. D. US Nomad in Mexico.
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamTravel insurance for Trip Resumption
Learn if we could help you get back on track after your trip's been interrupted.
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Trip resumption: what will be covered by travel insurance?
If you've had to interrupt your trip and return home because you were sick or injured overseas, or one of your close relatives has been hospitalized or has died, or a severe weather event has impacted your holiday, certain World Nomads policies offer coverage for reasonable transport and accommodation expenses to get you back on the road so that you can finish your trip.
What am I covered for if my trip has been cut short?
Every World Nomads policy will differ depending on your selected plan and your Country of Residence. As part of our Trip Interruption coverage, and depending on which plan you purchase – Standard vs Explorer - you may be covered (up to the benefit limits) for:
- An unexpected illness or injury
- A death in the family, yourself, or someone in your traveling party
- Trip interruption expenses – when a travel interruption over a certain number of hours occurs and you need to cover the essentials such as, phone, internet, refreshments or additional travel and accommodation. Terms and conditions apply.
- A missed connection
- An official government authority has issued a ‘Do Not Travel’ warning to a specific region or country and that warning was first given after you purchased the policy and after you booked the arrangements.
- You or a member of your traveling party are directly involved in a motor vehicle, railway, air or marine accident resulting in your inability to meet your connecting transport.
- Theft or damage of your or a member of your traveling party’s passport (excluding government confiscation for any reason not related to damage), travel documents or credit cards.
- Cancellation of a pre-paid, overseas tour, conference, music concert, international sporting event, funeral or wedding, or you being forced to use alternative public transport to arrive on time to attend this event.
- And many more.
You should read your policy wording carefully to understand what you will be covered for when it comes to trip interruption. Particularly the defined Insured Events, which relate specifically to the cancellation and trip interruption coverage.
Your policy still needs to be valid for the period of your resumed trip and needs to be the one that you were traveling on when you had to return home.
Make sure that you’ve selected the right travel insurance plan for your specific needs. With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while traveling.
Am I covered if my trip is interrupted by a pandemic?
It depends on which policy you have chosen. As much as we would love to cover every possible Coronavirus (COVID-19) scenario, that‘s not what travel insurance is designed for. Some exclusions may apply for epidemics, pandemics or World Health Organization (WHO) declarations of a public health emergency of international concern. When they apply, these exclusions are outlined in your policy wording.
To find out what cover applies to you, read our What’s Covered for Coronavirus article, which has all of the details, including benefit limits, conditions and exclusions.
Coverage depends on your Country of Residence and varies between plans.
Trip resumption: what's not covered by travel insurance?
- Any expenses incurred while you're at home
- Expenses to get you back on your trip if you went home because you're homesick
- A business class upgrade where you've been flying budget airlines
- Resumption if your policy has expired.
This is not a full list of what's covered and not covered. There are item limits and conditions and exclusions that apply, so for more information check out our article on trip resumption and read your policy carefully before you buy.
Be prepared if you need to claim for trip resumption.
Depending on your claim, you'll need copies of:
- Receipts
- Itineraries
- Doctors' reports/death certificates
- Medical history (ruling out pre-existing conditions)
- New flight tickets
Travel Insurance Tip: Some, but not all, of our policies offer coverage for some insured events resulting in cancellation, trip interruption and trip resumption. Please take the time to read your policy wording as there are limits on your coverage depending on your Country of Residence and which plan you buy.
Grandma in palliative care
My grandmother suffered an acute subarachnoid hemorrhage after having a fall and was subsequently placed in palliative care in November. I received a phone call to return home as my grandmother only had a few days to live according to the doctors. I returned home, and she passed away. I then recommenced my travels after her passing and funeral.
Claim Paid.
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)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are 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 the teamFAQ
Here are our most frequently asked questions about trip resumption and insurance. You can also find the answers to other questions in our Help Center or you can ask our customer service team.
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Does my insurance pay upfront or do I have to pay and claim?
You'll need to pay and claim for your expenses to resume your trip.
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Is there an excess?
Yes, all policies which cover trip resumption have an excess.
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If my policy has expired, can I still claim for resumption?
If the policy is expired, it can no longer cover your travel expenses.
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What's considered to be reasonable expenses?
The same standard you've been traveling. So if you've been traveling on a budget airline, business class on a full carrier wouldn't be reasonable.
