Planning a getaway and looking forward to some well-deserved travel outside of Ireland? Whether you're heading to the sun-soaked beaches of Spain or exploring the bustling streets of New York, flight delays can throw a wrench in your plans.

But don’t let a delayed flight ruin your trip. With World Nomads' travel insurance, you can relax knowing you're covered. Plus, with features like SmartDelay™, you can turn those unexpected hold-ups into a chance to unwind in style. 

• Stay calm and gather information
• Know your rights
• Seek compensation and assistance
• Make alternate arrangements
• Document everything
• Check your travel insurance
• Using SmartDelay
• What's excluded

Step 1: Stay calm and gather information 

Flight delays happen—don’t panic. Start by checking the airport screens or your airline’s app for real-time updates. If there’s no information available, head to the airline’s customer service desk or call their helpline to get the latest status. 

Travelers tip: it’s a great idea to download your airline’s app before you leave home, because let’s face it, no one likes having to stand in chaotic situations, trying to download and register for apps in moments of stress. If the app is already on your phone, you can access the information you need, as soon as you know you have flight issues.  

Step 2: Know your rights 

As a traveller from Ireland, you’re protected under European Union regulations like EU261, which outline passenger rights when flights are delayed or cancelled. Depending on the circumstances, you could be entitled to compensation, meals, accommodation, or even refunds. 

Traveler tip: When your flight is canceled or you miss a connection, it’s natural to want to immediately book a new flight. But take a breath and hold off. Your airline might automatically rebook you on the next available flight—often at no extra cost. Before making any decisions, check your airline’s app or speak to their customer service. Buying a new ticket in haste might mean you’re left paying out of pocket, as airlines typically won’t reimburse you for flights purchased independently, and travel insurance may only cover specific situations. Patience can save you both money and stress. 

Step 3: Seek compensation and assistance 

• If your flight is delayed for more than three hours, and the airline is responsible, you may be eligible for compensation. Approach the airline’s customer service desk to request forms for a compensation claim or check their website. Be sure to collect any relevant documentation, such as boarding passes and receipts for additional expenses incurred due to the delay or cancellation. 

Travelers tip: if your airline offers you a reasonable alternative, take it. Should you need to make a travel insurance claim later, you’ll need to show that you first tried to get reimbursed by the airline or your travel provider. Keep all the proof handy—it’ll make your claim process smoother. 

Step 4: Make alternate arrangements 

In the event of a cancellation, your airline must provide alternative travel arrangements. For lengthy delays, this could include accommodation, meals, and transportation. 

If the airline doesn't provide these services, keep all receipts and consider claiming these expenses as part of your compensation (from the airline). If the airline’s unable to provide meal or hotel vouchers, you may be able to claim for reimbursement of out-of-pocket meal and lodging expenses under your trip delay benefit. You’ll need written confirmation from your airline that includes: 

• the reason for the delay 
• scheduled departure and return times 
• actual departure and return times 

Traveler tip: getting to the airport early is key. Aim for at least two hours for domestic flights and three for international ones—but double-check with your airline for the latest advice. This way, you’ll breeze through security with time to spare, keeping your travel day stress-free. 

Step 5: Document everything 

Keep records of all your interactions with the airline—note names, dates, and times of conversations. Take photos or screenshot of flight status screens, announcements, or other relevant information.

Traveller tip: delays and cancellations happen more often than we’d like, so it’s best to be prepared. Wear comfy clothes, pack some snacks, and have your favourite book, show, or playlist ready to keep you entertained while you wait.  

Step 6: Check your travel insurance 

If you’re airline falls short, travel insurance may help cover additional costs. With World Nomads’ Standard and Explorer Plans, you may be eligible for coverage in a range of situations, from delayed flights to lost baggage. 

For example, the Explorer Plan may cover: 

• If an airline refused to provide meal or lodging vouchers, you may be able to claim for reimbursement of those expenses after a delay of 12 or more hours. The Explorer Plan allows for up to €200 (€50 each 12 hours, per person) for additional accommodation and meals, and up to €1,000 for additional transport. 
• If your delayed or cancelled flight caused you to miss pre-paid accommodation or tours, you may be able to claim reimbursement for those unused, pre-paid, non-refundable trip costs. 
• If you’re stuck overnight and your airline can’t deliver your checked baggage for more than 24 hours, you can claim for reimbursement of essential toiletries and a change of clothes under your baggage insurance benefits. 
• Read your chosen plan thoroughly to understand the benefit limits. Read your chosen plan thoroughly to understand the benefit limits. 

Make delays work for you with SmartDelay 

What is SmartDelay? 

Turn a frustrating flight delay into an opportunity to relax with SmartDelay, exclusively for World Nomads policyholders. If your flight is delayed by more than 90 minutes, you’ll receive a LoungeKey™ pass, giving you access to a comfortable airport lounge. 

How does it work? 

Before you travel (at least 24 hours), simply register your flight details with SmartDelay. If your flight gets delayed by more than 90 minutes, you and up to four additional passengers (named on their policy and on the same flight) automatically receive a LoungeKey™ pass, aka your personal ticket to a comfortable, relaxing airport lounge (and complimentary snacks—plenty of snacks!). 

What can you expect in the lounge? 

With SmartDelay, you can enjoy a range of benefits in the airport lounge, including: 

• Complimentary snacks and drinks: ditch the overpriced airport snacks – light refreshments and nibbles are on us! 
• Wi-Fi and charging stations: whether you’re keeping up on socials, emails, or the footy score, we’ll keep you charged and in the loop. 
• Comfortable seating: escape the chaos of the terminal, chill and recharge before getting up in the air. 

Entertainment options: pass the time with a selection of TVs, magazines, and more – keeping boredom at bay while you wait for your flight. 

What's excluded? 

Travel insurance isn’t designed to cover everything. Exclusions include, but are not limited to: 

• Pre-existing medical conditions. You can read more about pre-existing medical conditions here.
• You running late, getting stuck in traffic or a long security line and missing your flight. 
• Purchase of a new flight because you didn’t want to wait to be rebooked by your airline. 
• Luxury hotel suites and the most expensive thing on the menu. Travel insurance is meant to cover reasonable out-of-pocket expenses if you’re delayed. 
• Flight delays of less than 12hours. 
• Baggage delays of less than 24 hours. 
• Expenses that have been reimbursed by your airline. 

 
This is only a summary of coverage and does not include the full terms, conditions, limits, and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. If you are unsure about your level of travel coverage, please contact us for help. 

Bali, with its stunning beaches, vibrant culture, and exciting activities, has become a popular destination for New Zealanders. While planning your next escape to this tropical paradise, one thing to consider is securing the right travel insurance. Whether you're there for adventure, relaxation, or a digital nomad experience, travel insurance can help you with cover against unforeseen events.

• What’s covered?
• Key features of World Nomads Travel Insurance for Bali
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online. And the best part? You can even purchase coverage after you’ve already left for your trip.

Key features of World Nomads Travel Insurance for Bali

World Nomads travel insurance may cover you (up to the policy limits) for the following:

• Emergency medical cover: Hospital or doctor visits can be costly if you fall sick or have an accident in Bali. World Nomads' plans offer cover medical emergencies and evacuation. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.
• Adventure activities cover: Planning to surf, dive, or hike in Bali? World Nomads offers coverage for more than 150 activities, including common Bali adventures. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.
• Trip cancellation or interruption: Whether it's a medical issue, family emergency, or unexpected changes in your plans, you’re could be covered for trip cancellations or delays.
• Lost or stolen baggage and valuables: Unfortunately, Bali is no stranger to pickpocketing. World Nomads offers coverage for stolen or lost luggage, passports, and valuables. If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Policy Document carefully.
• Natural disasters: Natural disasters, like severe weather, floods, landslides, volcanic eruptions, tsunamis, and earthquakes can regularly occur; there is an ongoing risk of terror attacks; and the standard of medical facilities is often lower than that of other countries.

What’s not covered?

Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the New Zealand Government issuing a ‘Do Not Travel’ warning. For more information go to the safetravel website.
• Participation in a sport or activity not listed in the Policy Document or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your Policy Document).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

Bali is renowned for its surf scene, spiritual vibe, and mouth-watering food, so it’s easy to see why Australians flock to Bali every year. Whether it's covering medical emergencies, lost luggage, or unexpected cancellations, travel insurance may help protect you when embarking on your Bali escape.

• What’s covered?
• Travel insurance essentials for your Bali holiday
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered by travel insurance?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while travelling.

Travel insurance essentials for your Bali holiday

World Nomads travel insurance may cover you (up to the policy limits) for the following:

Trip cancellation cover

If you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note that the traveller must have already been issued a traveller’s Certificate of Insurance from World Nomads to have cancelation coverage available to them.

Activities coverage

We cover more than 150 activities, sports and experiences including trekking, rafting or surfing, which are just some of the activities tourists seek out in Bali. But we don’t cover everything. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.

Lost, stolen or delayed baggage cover

If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Product Disclosure Statement (PDS) carefully.

Natural disasters and other unforeseen events

If your island time is thrown into chaos by a volcanic eruption, or you’re involved in a scooter accident, you can make a claim. If a volcano wreaks havoc with flight schedules, we understand that you may want to cancel your trip rather than vacation in an ash-affected area. If you're already in Bali, we may cover your exit. The use of scooters/mopeds comes with a caveat – you must have the appropriate licenses and add it as an activity when you buy your policy. Terms and conditions apply.

Overseas medical emergencies

If you come down with Bali Belly after drinking contaminated food or water or are unfortunate enough to injure yourself in the surf, your policy may cover you for medical expenses. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.

What’s not covered by travel insurance?

Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the Australian Government issuing a ‘Do Not Travel’ warning. For more information go to the smartraveller website.
• Participation in a sport or activity not listed in the PDS or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your PDS).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for your trip to Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

This is not a full list of what's covered and not covered. There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.