• Do I need travel insurance for Nepal
• Travel insurance for activities in Nepal
• Travel insurance for mediacl emergencies in Nepal
• Travel insurance for scams in Nepal
• Travel insurance for lost bags in Nepal
• Travel insurance for cancelled, interrupted or, delayed trips to Nepal
• Tips for travelling to Nepal from Canada

What’s the first thing that comes to mind when you think of Nepal? Snow-capped mountains, Buddhist temples, and a welcoming, friendly culture all come to mind for us. Travellers also come to search for tigers and rhinos on safari in one of Nepal’s national parks, join a meditation retreat, relax in Pokhara, stay with a local family in farming villages, experience a religious ceremony or cultural festival, and sample Nepalese dishes like momos and dal bhat. Whatever your dream vacation looks like, Nepal is a place of endless adventure and rich culture.  

With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Canadians in Nepal. While we’ve had the best times in Nepal, international travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance for Nepal before you set forth on your journey.     

Do I need travel insurance for Nepal?   

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like medical emergencies or bad weather causing a missed connection.  

Travel insurance for Nepal can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as an injury sustained while hiking on the multi-day Manaslu Circuit or one of Nepal’s other great treks.  

 We have two plans to choose from for different types of travellers and adventures. You might notice that our travel insurance plans for Nepal ring in at a higher cost than our insurance plans for other destinations. This is due to the inherent risk of high altitude climbing, which is one of the main reasons our nomads go to Nepal.    

World Nomads travel insurance can provide coverage for hiking up to 6,000 metres. 

Travel insurance for activities in Nepal 

Whether you’re planning to hike to Everest Base Camp or go white water rafting on Trishuli River, World Nomads travel insurance covers Canadians for over 250 activities in Nepal. Day hikes and multi-day treks in the Himalayas, safari excursions in Chitwan, and paragliding in Pokhara are all covered under travel insurance for Nepal too.   

It’s important to have a fairly concrete idea of your trip plans before you get a quote. You must list all your activities out when purchasing the plan—and if something happens while you are participating in an activity you didn’t list on your plan, then you won’t be covered. For example, if you go hiking while on your trip and you didn’t list that activity out when making your plan purchase, you won’t be covered if something were to happen on the trail. You may want to overshoot and list out all possible activities you may do, just in case. 

Also keep in mind that you will be covered under the base plan to participate in various adventure sports, activities, volunteer, and work experiences, shown as Level 1, under both our Standard and Explorer Plans. For coverage for adventures sports, work and activities listed as Level 2 or Level 3, you will need upgrade your adventure sports coverage and pay an extra premium. High elevation trekking to popular spots like Everest Base Camp, Annapurna Base Camp, and the Manaslu Circuit all require Level 3 coverage, as they involve hiking in altitudes over 3,000 meters. Note: Special conditions and exclusions may apply to while taking part in certain sports and activities. For the full policy terms and conditions please review the policy wording.   

Travel insurance for medical emergencies in Nepal 

In Nepal, the healthcare system may not be what you are familiar with back home. It can be particularly difficult to access reliable health care in rural areas, especially remote regions of the Himalayas. You can protect yourself from emergency medical expenses by purchasing a travel insurance plan for Nepal.  

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible.  

Travel insurance for Nepal also may cover medical evacuation and repatriation insurance, if our Emergency Assistance Team or your treating Physician recommends you return Canada because of your medical condition after you’ve received medical treatment. In the event that you need an air ambulance from the mountains to transport you to the nearest qualified medical service provider, you must receive approval from the 24/7 Emergency Assistance Teams first. The team knows which evacuation companies are reliable and safe; we know of several scams operating in this space. Without prior approval, you will not be reimbursed for the cost of the flight. The emergency assistance team can also help you determine whether your injury or illness qualifies for a trip down the mountain. Be aware that some local companies might scam you into believing your injury is worse than it is to drive up costs. Remember, you must contact our Emergency Assistance Team before seeking medical attention, emergency evacuation or repatriation, unless your medical condition prevents you from calling, in which case you must call as soon as medically possible or have someone call on your behalf.  

Travel insurance for scams in Nepal 

Nepal is a stunning destination for adventure and cultural experiences, but there are some things to be aware of when visiting. Travellers sometimes can encounter scams that can derail your plans and impact your trip. Unfortunately, these scams are not covered by travel insurance.  

One common scam travellers to Nepal have encountered is an evacuation and helicopter scam. Trekking companies may offer a cheap trekking excursion but manipulate you into signing a form agreeing to helicopter evacuation. It’s helpful to do some advance research on potential trekking companies and read reviews to ensure the company you’re trekking with is trustworthy and legitimate.  

Another potential scam is with taxis. If you grab a taxi off the street, either insist they use the meter or agree on a price beforehand, to prevent them from driving long routes or pretending that the meter is broken to drive up the costs. You also might encounter people on the street offering to show you around and then demanding money for their tour guides services. Nepal is generally a safe and welcoming country and using common sense can go a long way to help you avoid scams.  

Travel insurance for lost bags in Nepal 

Whether the airline lost your luggage, or your purse was stolen, lost bags can happen during travel. Did you land in Kathmandu but your bag—packed with your hiking boots and trekking gear—didn’t? The first step is to contact the airline.   

If you’re lucky, your bags just took a detour and will eventually make their way to you. Even a delayed bag can be stressful though. If this happens, your travel insurance for Nepal could still reimburse you for a change of clothes and toiletries, and maybe even new trekking gear, until you and your bag are reunited.  

Travel insurance for cancelled, interrupted, or delayed trips to Nepal   

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses.  

We never anticipate natural disasters interrupting our trip to Nepal, but they can happen. Earthquakes are a potential risk, which can also trigger avalanches in the mountains. Monsoon season typically hits from July through September in Nepal, and heavy rains have been known to cause extreme floods and landslides. Storms and natural disasters are impossible to predict so the best thing you can do is protect yourself with travel insurance for Nepal.  

If you bought your travel insurance plan prior to a natural disaster developing into a major event, your travel insurance for Nepal may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster. Also, if after you’ve purchased your travel insurance policy, the Canadian Government issues travel advisory advising Canadians to avoid travel to a destination, country or region listed on your itinerary, you may be eligible for trip cancellation or trip interruption benefits.  

Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in Canada. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement (subject to plan limits) of your prepaid, unused hotel expenses or airfare that you can no longer use.   

Tips for travelling to Nepal from Canada   

As much as you may have planned each detail of your Nepalese adventure, the unexpected can still happen. We encourage you to check out the Canadian government’s safety warnings for Nepal before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.   

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few Nepalese phrases will go a long way too.    

Finally, we recommend checking out our travel tips for Nepal, to help prepare you with some basic etiquette to respect local culture. You may also want to read up on some extraordinary experiences for some inspiration and read our packing list tips, to make sure you’re prepared for your trek.  

This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions about your coverage, just ask us. 

Indonesia’s the world's largest archipelago to form a single state – where emerald jungles meet sprawling rice terraces and volcanic landscapes. From Yogyakarta's vibrant streets to the Gili islands' serene shores, Indonesia’s a tapestry of diverse experiences waiting to be discovered. But, with such adventures comes the unexpected, which is why you may consider packing some travel insurance before setting off to wander Jakarta’s markets, surf Bali's waves, or trek Sumatra's lush trails.  

• What's covered
• What's not covered
• FAQs

What’s covered 

At World Nomads, we try to keep insurance simple so you can focus on enjoying your time abroad. We offer two insurance plans: Standard and Explorer – our Standard Plan offers a base level of coverage, and our Explorer Plan offers coverage with more benefits and higher limits.  

Depending on your Country of Residence, your travel insurance plan can offer cover for: 

• Delayed, lost, or stolen baggage and personal effects: Heading to Indonesia with checked bags? There's a slim chance they might go on an unplanned tour. No sweat – our delay benefits can cover essential items (think basic clothing and toiletries) until your baggage finds its way back to you. And if your gear’s lost or pinched? We’re here to help (after you’ve gone through other necessary channels first). Want to know more about World Nomads travel insurance cover for baggage and personal effects? We have an entire article here.  
• Trip cancellation and trip interruption: World Nomads travel insurance for trip interruption might have you covered for unexpected trip cancellations to Indonesia – think family emergencies or a doctor-advised travel halt. On the road and need to head back home early? Our policy could cover your return and any non-refundable costs. Just remember, keep those receipts and docs for any claims!  
• Overseas medical emergencies and hospital expenses: No one plans to go to Bali and get Bali Belly, yet…we all know it happens. Problem is, your usual health insurance may not cover you abroad, and medical expenses can be costly. Both our Standard and Explorer plans offer overseas medical travel insurance coverage.  
• Cover for 150+ adventure sports and activities: If you’re a fan of getting the adrenaline pumping while holidaying abroad, then Indonesia’s got the goods for you. Diving in Komodo Park, or jungle trekking in Borneo? You may be covered. With World Nomads, you're covered for over 150 adventure sports and activities. But, before you dive into Indonesia's natural wonders, make sure to check your policy to ensure your action-seeking pursuits are included. 

Whether you're temple-hopping in Bali or diving in Raja Ampat, choosing the right level of coverage is key. Read the policy wording, browse the World Nomads’ Help Center, or contact our customer service team to see if what you’re planning to do is covered under your plan.

Need a quote? You can get one online, before you leave your country of residence or when you’re already in Indonesia.   

Trekking at Mount Bromo at sunrise. Photo credit: Getty Images/Martin Puddy

What’s not covered 

Remember, travel insurance isn't a catch-all safety net. Our goal at World Nomads is to be there for you when you need us most, but there are a few things that fall outside of our policies: 

• Off the list activities and sports: If it's not in our policy wording or you haven't opted for that extra cover, those adventurous pursuits aren't covered. 
• Doctor's orders: Ignoring advice from your doctor or our 24/7 Emergency Assistance Team? That's a no-go for coverage. 
• Valuables on the loose: Items that get lost, stolen, or damaged because they were left unwatched? We can't cover those. 
• Risky business: Taking unnecessary risks, breaking local laws, or misbehaving while under the influence of drugs or alcohol? It’s not only dumb, it’s also not covered. 
• Unclaimed expenses: If you haven't tried to get back costs from other sources like carriers or booking agents, we can't step in. 
• Change of heart: Decided not to travel? That's a personal choice we can't cover. 

This is just a quick rundown. To really get into the nitty-gritty of what's covered (and what's not), give your policy wording a thorough read. It's the best way to know exactly where you stand with your travel insurance. Still not sure? Contact us. We’re happy to help.  

Pura Ulun Danu Bratan, a Hindu temple on Bratan lake Photo credit: Getty Images/TravelCouples

So, you’re stuck at the airport, and your travel plans are suddenly up in the air (pun intended). Whether your flight’s been delayed, cancelled, or you’ve missed your connection, it’s a frustrating experience.

As an EU traveller, you have certain rights, and your airline should be your first stop for assistance. But don’t forget, your travel insurance might offer additional perks - like access to airport lounges through SmartDelay™ - making the wait a bit more bearable (perhaps even enjoyable). Grab a beverage and read on to discover how to make the best of a bad situation and keep your journey on track.

• 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 

Take a deep breath and try not to panic. Flight disruptions happen, and you'll get through this. 

• Check the airport screens (if you’re already there) or your airline's mobile app for real-time updates on your flight status. 
• If you can't find any information, head to the airline's customer service desk or call their helpline. Get up to speed and stay informed. 

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 

• European airlines are bound by various regulations, including the European Union's Regulation (EC) No 261/2004, commonly known as EU261. 
• This regulation outlines the rights of air passengers in the event of flight disruptions, empowering us with clear entitlements and potential compensation. 
• According to this regulation, you may be entitled to compensation, care, and assistance depending on the circumstances of your delay or cancellation. 
• Compensation amounts can vary based on the length of the delay, distance of the flight, and whether the disruption was within the airline's control. 

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 cancelled or delayed for more than three hours, and the airline is responsible for the disruption, you may be entitled to compensation. 
• Approach the airline's customer service desk and request the necessary forms to file a claim for compensation. Alternatively, you can request a refund form online through the airline’s 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 

• Your airline is legally bound to provide you with alternative travel arrangements in the event of a cancellation. 
• Depending on the length of the delay or cancellation, you might need to make new travel arrangements. 
• If your flight is delayed overnight or cancelled, the airline should provide you with accommodation, meals, and transportation if needed. 
• 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 a record of all communication with the airline, including names, dates, and times of conversations or emails. 
• Take photos or screenshots of any relevant information, such as flight status screens or announcements. 
• These records will be valuable if you need to escalate your claim or seek legal advice. 

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 

Travel insurance may be able to step in where your airline falls short. Here are some situations where travel insurance may be able to provide some relief. 

World Nomads offers a Standard Plan and an Explorer Plan, which have different per-day and maximum benefit limits. For EU travellers, who’ve purchased an Explorer Plan, World Nomads may offer the following coverage: 

• 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 delays into downtime with SmartDelay. Offered exclusively to World Nomad travel insurance policyholders, SmartDelay transforms an otherwise frustrating flight delay into an opportunity for a moment of comfort and relaxation – at no extra cost. Now, that’s one way to turn a negative into a positive, right? 

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 under your travel insurance policy? 

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. 

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.