• What to do if your flight has been cancelled or you’ve missed a connection
• Talk to your airline about rebooking, compensation or a full refund
• Get the essential details in writing from your airline
• Keep your receipts for reasonable expenses
• How might travel insurance help if your flight is delayed or cancelled?
• Handy tips in case your plans get affected by a delayed or cancelled flight

So you’re stuck at the airport … we’ve all been there. If your flight has been delayed or cancelled, or you’ve missed your connection, your airline should always be your first port of call. But travel insurance may be able to help in certain circumstances. Read on for more info.

What to do if your flight has been cancelled or you’ve missed a connection

In many cases, if your flight has been cancelled or you miss a connection, your airline will automatically rebook you. Before travel, download your airline’s app, and refresh the app as soon as you realize you’ve got flight issues.

If your airline has not automatically rebooked you, head to the service desk or call their customer care line. But don’t rush to buy a new flight, as neither the airline nor travel insurance are likely to reimburse you for a new flight. 

Talk to your airline about rebooking, compensation or a full refund

Your airline is obligated to rebook you if your flight has been cancelled or you’ve been bumped from an oversold flight. Travel insurance won’t reimburse you if you’ve been bumped, so seek compensation directly from your airline. If they can’t get you on a new flight until tomorrow, ask to be rebooked on another carrier, or request meal and hotel vouchers. You must accept any reasonable alternative options offered by the airline. If you do end up making a travel insurance claim, you’ll need proof that you first sought reimbursement from your airline.

Get the essential details in writing from your airline

If the airline is 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.

Head straight to the airline desk to get this critical information or ask a telephone agent to email you these details on the spot. 

Keep your receipts for reasonable expenses

Remember to keep receipts for any out-of-pocket expenses you incur during your delay – you’ll need these to make a claim. Your trip delay benefit may cover taxi fares, lodging and meals while you’re delayed. And if your bags are delayed too, by more than 12 hours, keep receipts for the essential toiletries and a change of clothes that you’ll need until your trip resumes and you’re reunited with your bag.

If you do need to make a claim, check out our how to make a claim article for step-by-step guidance.

How might travel insurance help if your flight is delayed or cancelled?

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.

• If you suffer a trip interruption due to a covered risk under the policy, for example a strike resulting in complete cessation of travel services at your departure point or destination, you may be able to claim for reimbursement of unused, prepaid, nonrefundable trip costs.
• If your flight is delayed by inclement weather for more than three hours or is cancelled entirely, you may be eligible for subsistence allowance, including meals, taxi fares and accommodation. Remember to save all your receipts, as you’ll need them to make a claim.
• Once you reach your destination, if your checked baggage is delayed by your airline or ground carrier for more than 12 hours, you may be eligible to claim for reimbursement of essential toiletries and a change of clothes under your baggage delay benefits.

World Nomads offers a Standard Plan and an Explorer Plan, which have different benefit limits. Read your chosen plan thoroughly to understand the benefit limits.

Traveler tip 1: You may have coverage if your flight was canceled due to an airline’s unannounced strike action. If you would like to know what you may be covered for in case a strike leaves you stuck at the airport, read our Help Centre article – Does travel insurance cover strikes?

What’s excluded:

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

• You running late, getting stuck in traffic or the 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.
• Baggage delays of less than 12 hours.
• Expenses that have been reimbursed by your airline.
• Expenses that exceed the limits as stated in your policy (for example, subsistence allowance is capped at $350 per day, to a maximum of $700).

Traveler tip 2: if you are going to miss your flight because you’re just running late, that’s not a Covered Risk. Under World Nomads policies, if an event is not specifically listed as a Covered Risk, there is no coverage for that event. Always make sure you read your Policy Wording or Certificate of Insurance for a full description of the coverage, terms, conditions and exclusions that apply.

Handy tips in case your plans get affected by a delayed or cancelled flight

We know delays and cancellations are frustrating, but here are a few tips to help smooth the journey.   

1. Prepare in advance. Download your airline’s app. Print or save a copy of your travel insurance policy documents. Check-in online if you can.
2. Allow plenty of time to get to the airport and through the security line (usually a minimum of two hours for domestic and three hours for international flights, but check with your airline for guidance).
3. Be ready for delays and cancellations, which are increasingly common these days. Wear comfortable clothes; bring snacks; have reading, watching or listening material ready when you need it.
4. Carry-on if you can. Having everything with you will minimize the chances of baggage loss if you miss a connection or your flight is cancelled. If you need to check your bag, carry the essentials, including medications and change of clothes, with you.
5. Know what your policy does and does not cover, and when.
6. Be patient and kind. Delays and cancellations are frustrating. Be kind to the customer service agents who are dealing with dozens, if not hundreds, of other angry passengers.

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.

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

• Do I need travel insurance for Ecuador?
• Travel insurance for activities in Ecuador
• Travel insurance for medical emergencies in Ecuador
• Travel insurance for lost bags in Ecuador
• Travel insurance for stolen items in Ecuador
• Travel insurance for canceled, interrupted, or delayed trips to Ecuador
• Tips for traveling to Ecuador from the United States

Wander through historic streets in the center of Quito, learn weaving traditions with the Indigenous Otavalo people, search for wildlife on the storied Galapagos Islands, and hike one of Ecuador’s volcanoes. It’s easy to see why Ecuador is a popular choice among American travelers.

You can swing over the forest in Banos, go on a hiking adventure through the lakes and mountains of Cotopaxi National Park, and visit historic sites in Cuenca. For outdoor adventurers and culture buffs alike, Ecuador entices the curious traveler with its natural wonders, UNESCO historic centers, and rich Indigenous heritage.

While a trip to South America is an incredible experience, there are some things to be aware of when you’re visiting from the US. Our nomads have experienced it all - from lost baggage to natural disasters. We’ve learned quite a bit in our travels, and we encourage you to explore travel insurance* plans for Ecuador.

Do I need travel insurance for Ecuador?

International travel can bring all kinds of unexpected surprises - like spotting a giant tortoise on the Galapagos Islands.

Some surprises are not as great. Nobody wants to think about things like canceled trips, delayed baggage, and medical emergencies, but these things can happen unexpectedly. If you injure yourself in a mountaineering adventure while attempting to climb Cotopaxi, you may then wish that you had travel insurance for Ecuador.

World Nomads has four plans to choose from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.

Travel insurance for activities in Ecuador

With incredibly varied landscapes from the Amazon Rainforest to soaring volcanoes, Ecuador is a phenomenal destination if you’re looking for some adventure. World Nomads covers more than 250 activities for Americans traveling to Ecuador and includes things like scuba diving in North Seymour Island, kayaking in the Amazon Rainforest, and surfing in Montanita.

When you get a quote for your travel insurance for Ecuador, it’s helpful to have a general itinerary in mind. Different plans cover different activities. An advance plan will help you choose the best insurance for your trip—and make sure even your most daring adventure is covered.

If you’re hoping to go horseback riding through the lush El Choco Rainforest, sea kayak in the waters around San Cristobal Island, or white-water raft down Quijos River, you’ll be covered under all plans, including the Standard Plan. Maybe you have your sights set on climbing Mount Chimborazo—Ecuador’s highest peak, which rises to a soaring 20,702 feet. In that case, you’ll need to invest in the Explorer Plan or the Epic Plan.

Travel insurance for medical emergencies in Ecuador

Before you head to Ecuador, we recommend that you make an appointment with our non-insurance service partner who offers telehealth travel consultations. The service offers online consultations 24/7 and can help you obtain any necessary vaccinations or medications, such as medication to help with altitude sickness and traveler’s diarrhea.

We also recommend packing a strong mosquito repellent to help prevent mosquito-borne illnesses like dengue. Keep in mind that tap water isn’t drinkable, so you’ll need to stay hydrated with bottled or filtered water.

Most Americans diving in Ecuador’s Galapagos Islands have no problems at all, but sometimes things happen. Make sure to protect yourself. Never dive deeper than your qualification limits and never dive solo. If you get decompression sickness, emergency medical coverage under your travel insurance for Ecuador may reimburse you for your medical expenses.

In the event that you have a medical emergency when traveling in Ecuador, you can call the 24/7 emergency assistance team and they may be able to refer you to a place that offers the level of care that you need. They can also help communicate with your local medical team if there are language barriers.

If your attending physician (and the 24/7 emergency assistance team) determines that it’s best for you to go home to the US to get medical care, the repatriation coverage that is included in your travel insurance for Ecuador may cover the costs to get you there.

Travel insurance for lost bags in Ecuador

You probably packed your hiking boots if you’re planning to hike the scenic Quilotoa Loop. What happens if you land in Quito, but your bag doesn’t arrive at the same time? Your travel insurance for Ecuador may help reimburse your trekking gear. The other belongings in your lost checked bag could be covered as well (up to plan limits, conditions and exclusions apply).

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. If your bag is delayed for at least 12 hours, you could still be reimbursed for a change of clothes and toiletries until you and your bag are reunited.

The first step is to contact the airline. If the airline isn’t able to help you locate your lost bag, the second step is to contact our non-insurance service partner that will track and expedite the return of your undelivered baggage by the airline. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim.

Travel insurance for stolen items in Ecuador

Petty theft and pickpockets are something to watch out for when you travel to Ecuador- especially in crowded areas in Quito and Guayaquil. Be aware of your surroundings and avoid putting anything valuable in your back pockets. You may also want to carry handbags across your body, and wear backpacks on your front. Keep an eye on your bags at bus terminals, as well.

If anything does happen, make sure you make a police report. You’ll need that if you have to make a claim

Travel insurance for canceled, interrupted, or delayed trips to Ecuador

Even if you have the perfect getaway planned with all your hotels and excursions booked, unexpected situations can throw your plans off track. Before you invest in an insurance plan for Ecuador, make sure it includes cancellation coverage.

Ecuador is prone to natural disasters like earthquakes and flooding. What happens if heavy rains cause a landslide in central Ecuador, wiping out roads in the region, and making it impossible for you to reach your destination in Banos? Your travel insurance for Ecuador may help you be reimbursed for non-refundable tours and hotel accommodations that you paid for in advance.

If you’re already in Ecuador and something happens to delay or interrupt your vacation, World Nomads insurance may compensate you for covered reasons. For example, if your travel companion gets injured while rock climbing in Cuenca and needs to stay in the hospital for at least 24 hours for treatment, you could be reimbursed for the expenses you incur during that time, like hotels.

Let’s say you’re planning to catch a cruise around the Galapagos Islands from San Cristobal but your flight leaving the US is delayed by more than three consecutive hours and the boat leaves without you. You’ll probably have to pay to travel to the next port of call to catch up with your cruise. The Explorer and Epic Plans cover for missed connections and may reimburse you for the cost to travel to the next port.

Tips for traveling to Ecuador from the United States

Before you leave the United States, we encourage you to check out the US government’s safety warnings for Ecuador. Weather, safety, and political situations can change at any time, and this is where they list any advisories that may exist at that time.

If you purchase travel insurance for Ecuador, it’s 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.

Take extra camera batteries. The worst feeling is to get set up for the perfect shot of a Blue-Footed Boobie, only to find out you have a dead battery. If you make the journey to see the rare bird species on the Galapagos, make sure to read up on some of our tips on how to photograph wildlife in an ethical way.

As you’re preparing for your trip, we recommend you learn a few Spanish phrases that will help you navigate Ecuador comfortable. You might also want to check out our tips for visiting Ecuador to make sure you’re ready for your grand adventure!

For information relating to policies purchased prior to October 23 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For plans purchased after October 23 2024, please see below.

• What to do if your flight has been canceled or you’ve missed a connection
• Talk to your airline about rebooking, compensation or a full refund
• Get the essential details in writing from your airline
• Keep your receipts for reasonable expenses
• How might travel insurance help if your flight is delayed or canceled?
• Handy tips in case your plans get affected by a delayed or canceled flight

So you’re stuck at the airport … we’ve all been there. If your flight has been delayed or canceled, or you’ve missed your connection, your airline should always be your first port of call. But travel insurance* may be able to help in certain circumstances. Read on for more info.

What to do if your flight has been canceled or you’ve missed a connection

In many cases, if your flight has been cancelled or you miss a connection, your airline will automatically rebook you. Before travel, download your airline’s app, and refresh the app as soon as you realize you’ve got flight issues.

If your airline has not automatically rebooked you, head to the service desk or call their customer care line. But don’t rush to buy a new flight, as the airline is not likely to reimburse you for a flight purchased on your own and travel insurance can only reimburse you if your flight is canceled for a reason specified by your plan.

Talk to your airline about rebooking, compensation or a full refund

Your airline is obligated to rebook you if your flight has been canceled or you’ve been bumped from an oversold flight. Travel insurance won’t reimburse you if you’ve been bumped, so seek compensation directly from your airline. If they can’t get you on a new flight until tomorrow, ask to be rebooked on another carrier, or request meal and hotel vouchers. You must accept any reasonable alternative options offered by the airline. If you do end up making a travel insurance claim, you’ll need proof that you first sought reimbursement from your airline or other travel provider.

Get the essential details in writing from your airline

If the airline is 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.

Head straight to the airline desk to get this critical information or ask a telephone agent to email you these details on the spot.

Keep your receipts for reasonable expenses

Remember to keep receipts for any out-of-pocket expenses you incur during your delay – you’ll need these to make a claim. Your trip delay benefit may cover local transportation, lodging and meals while you’re delayed. And if your bags are delayed too, by more than 12 hours, keep receipts for the essential toiletries and a change of clothes that you had to buy until your trip resumes, and you’re reunited with your bag. As soon as you realize your bag has been misplaced by the airline, you should also contact our Delayed or Lost Baggage Tracking and Delivery service. This non-insurance service partner will get on the case and will update you every step of the way as they find and retrieve your bags

If you do need to make a claim, check out our how to make a claim article for step-by-step guidance.

How might travel insurance help if your flight is delayed or canceled?

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.

• 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 six or more hours.
• If your delayed or canceled flight caused you to miss pre-paid accommodation or tours, you may be able to claim for reimbursement of those unused, prepaid, nonrefundable trip costs.
• If your flight is canceled or delayed for at least 24 consecutive hours due to a strike, you may be able to claim reimbursement for new flight tickets that you had to purchase out of pocket.
• If you miss the start of your trip due to a covered missed connection reason, you may be eligible for reimbursement to ‘catch up’ and join, instead of having to cancel your plans.
• If you’re stuck overnight and your airline can’t deliver your checked baggage for more than 12 hours, you can claim for reimbursement of essential toiletries and a change of clothes under your baggage delay benefits. Remember to also get in touch with our Delayed or Lost Baggage Tracking and Delivery service. This non-insurance service partner may be able to retrieve your lost bags quickly.

World Nomads offers four plans, which each have different per day and maximum benefit limits. Read your chosen plan thoroughly to understand the benefit limits.

Traveler tip 1: Remember, travel insurance is for the unexpected. If a storm or strike, or any other event, was known when you bought your travel insurance plan, coverage may not apply.

What’s excluded:

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

• 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 six hours.
• Baggage delays of less than 12 hours.
• Expenses that have been reimbursed by your airline.

Traveler tip 2: if you are going to miss your flight because you’re just running late, contact your airline. Travel insurance won’t be able to reimburse you for your missed flight if you overslept.

Handy tips in case your plans get affected by a delayed or canceled flight.

We know delays and cancellations are frustrating, but here are a few tips to help smooth the journey.

1. Prepare in advance. Download your airline’s app. Print or save a copy of your travel insurance plan documents. Check-in online if you can.

2. Allow plenty of time to get to the airport and through the security line (usually a minimum of two hours for domestic and three hours for international flights, but check with your airline for the most up-to-date guidance).

3. Be ready for delays and cancelations, which are increasingly common these days. Wear comfortable clothes; bring snacks; have reading, watching or listening material ready when you need it.

4. Carry on if you can. Having everything with you will minimize the chances of baggage loss if you miss a connection or your flight is canceled. If you need to check your bag, carry the essentials, including medications and a change of clothes, with you.

5. Know what your plan does and does not cover, and when. Trip delay benefits for U.S. resident plan holders start at six hours. Baggage delay benefits start at 12 hours. Know what types of delays are (e.g. weather) and are not (e.g. airline staffing issues) covered.

6. Be patient and kind. Delays and cancelations are frustrating. Be kind to the customer service agents who are dealing with dozens, if not hundreds, of other angry passengers.

• Find out the reason for the flight delay or cancellation
• Get it in writing
• Get a refund or get the carrier to reschedule your flight
• Keep all your documentation
• Need to know more?

You’re at the airport, ready to go and you just found out your flight is not leaving on time. What you do next can make the difference between a successful claim for compensation or a refund, and a long night on an uncomfortable airline bench. 

World Nomads has put together some information that will help guide you if you’re stuck at an airport. The information covers some steps to follow in case your flight is delayed or cancelled, what you’re covered for and what you’re not covered for, and some added tips.

Step 1: Find out the reason for the flight delay or cancellation

If you know it could be more than a 12-hour period, it’s worth finding out some information which can help if you need to make a claim, or claim compensation or a refund against the airline:

• How long the delay will be; and
• What is the reason for the delay.

Traveler tip 1: if you are going to miss your flight because you’re just running late, that’s not an Insured Event. Under World Nomads policies, if an event is not specifically listed as an Insured Event, there is no cover for that event. Always make sure you read your Policy Wording for a full description of the coverage, terms, conditions and exclusions that apply to you.

2. Get it in writing

Ask the service desk to give you evidence of why it was delayed. Travel insurance covers certain events, so you’ll need to show it was one of these for any claim to be successful. If for example it’s because of bad weather, then ask them to put that in writing for you.  Some of our travelers report service desks have given them proof on letterhead paper at the airport on the spot. If they can't get their customer service and complaints, contact details then initiate contact on the spot.

Step 3: Get a refund or get the carrier to reschedule your flight

If you have been left out of pocket or incurred expenses because of the delay, then your first port of call must be to seek compensation. Get the carrier to help rearrange or reschedule your plans or ask for a refund from the airline or travel providers who have not been able to provide their services to you.  And yes – if you decide to claim for any costs you've incurred, then you’ll need evidence you tried to get a refund first.  If you don’t have evidence, we’ll probably ask you for it which may delay any claim you make. We suggest you approach your airline or travel provider first. 

Note: Depending on your Country of Residence you have rights under consumer protection legislation called the consumer guarantee in certain circumstances if your flight is delayed or cancelled. These are enshrined in the Montreal Convention which applies to residents from many countries. You must accept any reasonable alternative options offered by the airline, public transport provider, tour operator, or accommodation provider.

Step 4: Keep all your documentation

If you’re still out of pocket after contacting your airline, travel provider, or accommodation provider for compensation, you can make a claim under your travel insurance.  We will consider all the information available to use and make a decision on your claim.  As part of that process, the more documentation you have to show you have incurred expenses because of a covered event, the more easily and quickly we will be able to determine your claim.

Step 5: Need to know more?

This information may help if things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Wording will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

For more information on delayed and missed flights and how you may be covered read our Help Center article - Travel insurance: delayed and missed flights.

If you’re unsure about your level of cover around trip interruptions, you can read our Help Centre article - What does trip interruption cover?

Traveller tip 2: In many cases flight delays or cancellations have been caused due to strike action. If you would like to know what you may be covered for in case a strike leaves you stuck at the airport read our Help Centre article – Does travel insurance cover strikes?

Note: If your flight has been delayed or cancelled, or you’ve missed your connection, your airline or transport provider should always be your first phone call. You must make every reasonable effort to contact your travel providers as soon as possible to seek compensation or offers to rearrange or reschedule your plans. When applicable you should exercise your rights under consumer protection legislation before deciding to incur additional expenses, change your travel plans or make a claim with us.

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the terms, conditions, limits and exclusions in the Policy Wording, particularly in the sections of cover that describe cover for 'cancellation' and 'trip interruption’ so there are no surprises if you do need to use it.

Here and the main things that aren’t covered:

• You decline any reasonable alternative service or compensation offered by your airline or other travel service provider.
• You not having allowed for the airline’s official minimum check-in or transit time. For example: not leaving reasonable time for traffic delays is not a claimable event.
• Withdrawal from service, temporarily or otherwise, of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or Port Authority or similar body in any country.
• You traveling against the advice of the local or national government authority relevant in the circumstances. We won’t cover any loss, claim or expenses that directly or indirectly relate to or arise from traveling to, planning to travel to, or choosing to remain in a country or region that is the subject of a government warning of ‘Do Not Travel’ issued by the U.S. Department of State. See - www.state.gov
• Any expenses for delays, rescheduling or cancellation of scheduled public transport services arising from reasons within a carrier’s control, including but not limited to maintenance, repairs, schedule changes, service faults, corporate takeover or industrial activity other than a strike (e.g. overbooking or change of schedule). Note: Compensation should be sought directly from the carrier in these situations.
• If your airline offers you an alternative flight/transport, you are expected to take it, otherwise your cover may also be limited.
• A loss arising from a change of mind, disinclination or reluctance to travel.
• You not providing receipts for your expenses.
• Delays caused by expected and foreseen events that have been covered widely be the media and through official government channels.
• Costs that are unnecessary or extravagant.
• Expenses that are covered by your carrier.

Handy tips if your plans are affected by a delayed or cancelled flight

If you think your travel plans might be affected, you should:  

• Contact your airline, or tour operator to check if any travel services are affected. 
• If you need to change your travel arrangements, contact your airline, accommodation provider, or travel agent for assistance in the first instance.
• Allow more time to arrive if you know there are strikes occurring that may cause delays, but not prevent you from traveling.
• If you can use eGates then do so, as this may give save you time and alleviate further delays for other passengers.
• Checking in online in advance of arriving at the airport will also reduce potential waiting times for travellers.
• Keep in mind that other ad-hoc events can have further impact on delay times (i.e. weather, increase in passenger numbers etc).

 This is only a summary of cover 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 cover, please contact us for help.

• Find out the reason for the flight delay or cancellation
• Get it in writing
• Get a refund or get the carrier to reschedule your flight
• Keep all your documentation
• Need to know more?

At World Nomads we’ve been stuck at airports all over the globe and it’s no fun. To avoid you some added pain we have put together some information that will help you know what to do if you’re stuck at an airport, what your covered for, and what you’re not covered for and some added tips.

Step 1: Find out the reason for the flight delay or cancellation

If you think it could be more than just a short period of time, it’s worth finding out some information which can help if you need to make a claim, or claim compensation or a refund against the airline:

• How long the delay will be; and
• What is the reason for the delay. 

Traveller tip: if you are going to miss your flight because you’re just running late, that’s not an Insured Event. Under World Nomads policies, if an event is not specifically listed as an Insured Event, there is no cover for that event. Always make sure you read your Policy Document for a full description of the coverage, terms, conditions and exclusions that apply.

2. Get it in writing

Ask the service desk to give you evidence of why it was delayed.  Travel insurance covers certain events, so you’ll need to show it was one of these for any claim to be successful. If for example it’s because of bad weather, then ask them to put that in writing for you.  Some of our travellers report service desks have given them proof on letterhead paper at the airport on the spot – and if they can't get their customer service and complaints contact details and initiative contact on the spot.

Step 3: Get a refund or get the carrier to reschedule your flight

If you have been out of pocket or incurred expenses because of the delay then your first port of call must be to seek compensation, help to rearrange or reschedule your plans or a refund from the airline or travel providers who have not been able to provide their services to you.  And yes – if you decide to claim against your travel insurance policy for any costs you've incurred, then you’ll need evidence you tried to get a refund first.  If you don’t have evidence, we’ll probably ask you for it which may delay any claim you make. We suggest you approach your airline or travel provider first.  

Note: In New Zealand you have rights under consumer protection legislation called the consumer guarantee in certain circumstances if your flight is delayed or cancelled.  These are enshrined in the Montreal Convention which applies to residents from many countries.  You must accept any reasonable alternative options offered by the provider.

Step 4: Keep all your documentation

If you’re still out of pocket after contacting your airline or travel provider for compensation, you can make a claim under your travel insurance.  We will consider all the information available to use and may a decision on your claim.  As part of that process, the more documentation you have to show you have incurred expenses because of a covered event, the more easily and quickly we will be able to determine your claim.

Step 5: Need to know more?

This information may help if things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Document will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

Note: If your flight has been delayed or cancelled, or you’ve missed your connection, your airline or transport provider should always be your first phone call. You must make every reasonable effort to contact your travel providers as soon as possible to seek compensation or offers to rearrange or reschedule your plans. When applicable you should exercise your rights under consumer protection legislation before deciding to incur additional expenses, change your travel plans or make a claim with us.

Flight delayed or cancelled - What's covered?

You may be covered for reasonable and necessary additional expenses, such as transport and accommodation costs, if:

• you’re directly involved in a motor vehicle, railway, air or marine accident causing you to miss your flight
• your flight is delayed due to severe weather, natural disaster, hijacking or strike, including if it causes you to miss a connecting flight.

By ‘reasonable’ we mean the standard of transport or accommodation you were booked to use. If you had an economy class ticket on a flight you’ve missed, you can’t upgrade yourself to business without being able to prove that it was reasonable to do so in the circumstances.

Check your plan’s policy for the benefit limits – they very between our Standard and Explorer plans.

In many cases, if you miss a connection or your flight has been cancelled, your airline may automatically rebook you. Before travel, download your airline’s app, and refresh that as soon as you realize you have got flight issues. The one thing you do not want to rush to do is buy a new flight.   

Traveller tip 2: In many cases flight delays or cancellations have been caused due to strike action. If you would like to know what you may be covered for in case a strike leaves you stuck at the airport read our Help Centre article – Does travel insurance cover strikes?

What to know if you’re making a claim for a missed, or delayed flight

If you end up stuck at in an airport due to a cancelled or delayed flight and you intend to make a claim for unexpected and unavoidable expenses, Some documents you may need to submit include:

• Notice from the travel supplier or carrier confirming the reason, timing and duration of the unexpected event causing the delay, cancellation or interruption; any compensation or offers made to you; and confirmation of your claim and settlement with them, if applicable
• Evidence of any accident such as documentation from an official body in the country where the accident happened: e.g. a police and/or relevant transport authority report
• Documentation to confirm your travel itinerary, vouchers or e-tickets
• Valid documentation from your travel supplier, event organiser or education provider
• All itemised and receipted expenses.

See our article on how to make a claim for more information.   

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the terms, conditions, limits and exclusions in the Policy Document, particularly in the sections of cover that describe cover for 'cancellation' and 'trip interruption' so there are no surprises if you do need to use it.

Here and the main things that aren’t covered:

• Any expenses for delays, rescheduling or cancellation of scheduled public transport services arising from reasons within a carrier’s control, including but not limited to maintenance, repairs, schedule changes, service faults, corporate takeover or industrial activity other than a strike (e.g. overbooking or change of schedule). Compensation should be sought directly from the carrier in these situations.
• If your airline offers you an alternative flight/transport, you are expected to take it, otherwise your cover may also be limited
• Any claim where you haven’t allowed for the minimum check in or transit time or at least three hours for check in and transit, whatever is longer OR if your travel provider officially requires more than 3 hours then you must allow for this
• Any reason for the delay or missed flight not listed as a covered event, e.g. you missed your fight because of heavy traffic on the way to the airport.
• A loss arising from a change of mind, disinclination or reluctance to travel
• A loss arising from travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a ‘Do not travel’ warning issued by the New Zealand Government (see safetravel.govt.nz)
• You not providing receipts for your expenses
• Delays caused by expected and foreseen events that have been covered widely be the media and through official government channels
• Costs that are unnecessary or extravagant
• Expenses that are covered by your carrier

Handy tips if your plans are affected by a delayed or cancelled flight

If you think your travel plans might be affected, you should:  

1. Contact your airline, or tour operator to check if any travel services are affected. 
2. If you need to change your travel arrangements, contact your airline, accommodation provider, or travel agent for assistance in the first instance.
3. Allow more time to arrive if you know there are strikes occurring that may cause delays, but not prevent you from travelling.
4. If you can use eGates then do so, as this may give save you time and alleviate further delays for other passengers.
5. Checking in online in advance of arriving at the airport will also reduce potential waiting times for travellers.
6. Keep in mind that other ad-hoc events can have further impact on delay times (i.e. weather, increase in passenger numbers etc).

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

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.

• Find out the reason for the flight delay or cancellation
• Get it in writing
• Get a refund or get the carrier to reschedule your flight
• Keep all your documentation
• Need to know more?

You’re at the airport, ready to go and just found out your flight is not leaving on time. What you do next can make the difference between a successful claim for compensation or a refund, and a long night on an uncomfortable airline bench.

To avoid you added pain we have put together some information that will help if you’re stuck at an airport, what you’re covered for, and what you’re not covered for and some added tips.

Step 1: Find out the reason for the flight delay or cancellation

If you think it could be more than just a short period of time, it’s worth finding out some information which can help if you need to make a claim, or claim compensation or a refund against the airline:

• How long the delay will be; and
• What is the reason for the delay.

 Traveller tip 1: if you are going to miss your flight because you’re just running late, that’s not an Insured Event. Under World Nomads policies, if an event is not specifically listed as an Insured Event, there is no cover for that event. Always make sure you read your Product Disclosure Statement (PDS) for a full description of the coverage, terms, conditions and exclusions that apply.

2. Get it in writing

Ask the service desk to give you evidence of why it was delayed.  Travel insurance covers certain events, so you’ll need to show it was one of these for any claim to be successful. If for example it’s because of bad weather, then ask them to put that in writing for you.  Some of our travellers report service desks have given them proof on letterhead paper at the airport on the spot – and if they can't get their customer service and complaints contact details and initiate contact on the spot

Step 3: Get a refund or get the carrier to reschedule your flight

If you have been out of pocket or incurred expenses because of the delay then your first port of call must be to seek compensation, help to rearrange or reschedule your plans or a refund from the airline or travel providers who have not been able to provide their services to you.  And yes – if you decide to claim against your travel insurance policy for any costs you've incurred, then you’ll need evidence you tried to get a refund first.  If you don’t have evidence, we’ll probably ask you for it which may delay any claim you make. We suggest you approach your airline or travel provider first. 

Note: In Australia you have rights under consumer protection legislation called the consumer guarantee in certain circumstances if your flight is delayed or cancelled. These are enshrined in the Montreal Convention which applies to residents from many countries. You must accept any reasonable alternative options offered by the provider.

Step 4: Keep all your documentation

If you’re still out of pocket after contacting your airline or travel provider for compensation, you can make a claim under your travel insurance.  We will consider all the information available to use and may a decision on your claim.  As part of that process, the more documentation you have to show you have incurred expenses because of a covered event, the more easily and quickly we will be able to determine your claim.

Step 5: Need to know more?

This information may help if things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your PDS will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

Note: If your flight has been delayed or cancelled, or you’ve missed your connection, your airline or transport provider should always be your first phone call. You must make every reasonable effort to contact your travel providers as soon as possible to seek compensation or offers to rearrange or reschedule your plans. When applicable you should exercise your rights under consumer protection legislation before deciding to incur additional expenses, change your travel plans or make a claim with us.

Flight delayed or cancelled - What's covered?

You may be covered for reasonable and necessary additional expenses, such as transport and accommodation costs, if:

• you’re directly involved in a motor vehicle, railway, air or marine accident causing you to miss your flight
• your flight is delayed due to severe weather, natural disaster, hijacking or strike, including if it causes you to miss a connecting flight.

By ‘reasonable’ we mean the standard of transport or accommodation you were booked to use. If you had an economy class ticket on a flight you’ve missed, you can’t upgrade yourself to business without being able to prove that it was reasonable to do so in the circumstances.

Check your plan’s policy for the benefit limits trip interruption expenses - benefit limits vary between the Standard or Explorer plan

In many cases, if you miss a connection or your flight has been cancelled, your airline may automatically rebook you. Before you travel, download your airline’s app, and refresh that as soon as you realize you’ve got flight issues. The one thing you do not want to rush to do is buy a new flight.

Check out our cancellation travel insurance What’s covered article to find out what you may be covered for in case you need to cancel your trip.

Traveller tip 2: In many cases flight delays or cancellations have been caused due to strike action. If you would like to know what you may be covered for in case a strike leaves you stuck at the airport read our Help Centre article – Does travel insurance cover strikes?

What to know if you’re making a claim for a missed, or delayed flight

If you end up stuck at in an airport due to a cancelled or delayed flight and you intend to make a claim for unexpected and unavoidable expenses. Some documents you may need to submit include:

• Notice from the travel supplier or carrier confirming the reason, timing and duration of the unexpected event causing the delay, cancellation or interruption; any compensation or offers made to you; and confirmation of your claim and settlement with them, if applicable
• Evidence of any accident such as documentation from an official body in the country where the accident happened: e.g. a police and/or relevant transport authority report
• Documentation to confirm your travel itinerary, vouchers or e-tickets
• Valid documentation from your travel supplier, event organiser or education provider
• All itemised and receipted expenses.

See our article on how to make a claim for more information.   

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the terms, conditions, limits and exclusions in the PDS, particularly in the sections of cover that describe cover for 'cancellation' and 'trip interruption' so there are no surprises if you do need to use it.

Remember, if your airline offers you an alternative flight/transport, you are expected to take it, otherwise your cover may also be limited. You will  need receipts for any expenses you plan to claim for.

Here and the main things that aren’t covered:

• Any expenses for delays, rescheduling or cancellation of scheduled public transport. services arising from reasons within a carrier’s control, including but not limited to maintenance, repairs, schedule changes, service faults, corporate takeover or industrial activity other than a strike (e.g. overbooking or change of schedule). Compensation should be sought directly from the carrier in these situations.
• Any claim where you haven’t allowed for the minimum check-in or transit time or at least three hours for check-in and transit, whatever is longer OR if your travel provider officially requires more than three hours then you must allow for this.
• Any reason for the delay or missed flight not listed as a covered event, e.g. you missed your fight because of heavy traffic on the way to the airport.
• A loss arising from a change of mind, disinclination or reluctance to travel.
• A loss arising from travelling to, planning to travel to, or choosing to remain in a country or region that is the subject of a ‘Do not travel’ warning issued by the Australian Government (see smartraveller.gov.au).
• Delays caused by expected and foreseen events that have been widely covered by the media and through official government channels.
• Costs that are unnecessary or extravagant.
• Expenses that are covered by your carrier.

Handy tips if your plans are affected by a delayed or cancelled flight

If you think your travel plans might be affected, you should:  

1. Contact your airline or tour operator to check if any travel services are affected. 
2. If you need to change your travel arrangements, contact your airline, accommodation provider, or travel agent for assistance in the first instance. 
3. Allow more time if you know there are strikes occurring that may cause delays but not prevent you from travelling.
4. If you can use eGates then do so, as this may give save you time and alleviate further delays for other passengers.
5. Checking in online in advance of arriving at the airport will also reduce potential waiting times for travellers.
6. Keep in mind that other ad-hoc events can have further impact on delay times (i.e. weather, increase in passenger numbers etc).

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

• Find out the reason for the flight delay or cancellation
• Get it in writing
• Get a refund or get the carrier to reschedule your flight
• Keep all your documentation
• Need to know more?

You’re at the airport, ready to go and just found out your flight is not leaving on time...

What you do next can make the difference between a successful claim for compensation or a refund, and a long night on an uncomfortable airline bench.

To avoid added pain we have put together some information that will help you know what to do if you’re stuck at an airport, what you’re covered for, what you’re not covered for, and some added tips.

Step 1: Find out the reason for the flight delay or cancellation

If you think it could be more than just a short period of time, it’s worth finding out some information which can help if you need to make a claim or claim compensation or a refund against the airline. You’ll need to know:

• How long the delay will be; and
• What is the reason for the delay.

2. Get it in writing

Ask the service desk to give you evidence of why the flight was delayed. Travel insurance covers certain events, so you’ll need to show it was one of these for any claim to be successful. If for example the delay is because of bad weather, ask the airline to put that in writing for you. Some of our travelers report service desks have given them proof on letterhead paper at the airport. If they can't, then get their customer service and complaints contact details and initiate contact on the spot.

Step 3: Get a refund or get the carrier to reschedule your flight

If you have incurred expenses because of the delay, your first port of call must be to seek help from the airline or travel provider that has not been able to provide services to you. Ask them to rebook or reaccommodate you or ask for compensation or a refund. And yes – if you decide to claim against your travel insurance policy for any costs you've incurred, then you’ll need evidence you tried to get a refund from the airline first. If you don’t have evidence, we’ll probably ask you for it, which may delay any claim you make, so we suggest you approach your airline or travel provider first. You must accept any reasonable alternative options offered by the provider.

Step 4: Keep all your documentation

If you’re still out of pocket after contacting your airline or travel provider for compensation, you can make a claim under your travel insurance. We will consider all the information available to make a decision on your claim. As part of that process, the more documentation you have that can show you’ve incurred expenses because of a covered event, the more easily and quickly we will be able to determine your claim.

Traveler tip: if you are going to miss your flight because you’re just running late, that’s not an Insured Event. Under World Nomads policies, if an event is not specifically listed as an Insured Event, there is no cover for that event. Always make sure you read your Policy Wording for a full description of the coverage, terms, conditions and exclusions that apply.

Step 5: Need to know more?

This information may help if things go wrong, and you want to make a claim. All travel insurance plans are different, and cover will vary, depending on what’s happened, your Country of Residence, the plan you choose and any options or upgrades you buy. Your Policy Wording will always have the full details of what you’re covered for.

If you have any further questions about what’s covered and not covered, just ask us.

Stoked to be hitting those waves you’ve only dreamed of until now? You’ve mastered all that Brazil’s coasts have to offer and now it’s off to the Gold Coast, Indonesia or Oahu. But an awkward wipeout or an encounter with hidden rock could bring your dream to a premature end. So before paddling out, it’s a good idea to have your travel insurance in place.

What’s covered by travel insurance for surfing?

You might be a seasoned surfer and know the risks, but riding the waves knowing that you’re covered in the event of an accident makes you a smart surfer. A World Nomads travel policy for surfing may cover:

• Baggage Loss: What if the airline misplaces your prized board and other baggage before you’ve even seen the ocean? Make sure you follow the correct Property Irregularity Procedures and your insurance may mean you can still head to the beach.

• Lost documents: Mislaid your travel documents and wallet hopping from one beach town to another in Nicaragua? You may be able to rely on your travel insurance to ensure arranging replacements is smooth and easy.

• Emergency Medical Care: One minute you’re flying across the waves, the next you’ve seriously wiped out. Getting overseas travel insurance for urgent or emergency medical issues before traveling may have been the best decision you make if you have an accident or even suffer a disability.

• Transportation: The world’s best swells aren’t necessarily conveniently located next to the local hospital. Your travel insurance may well help you get from your secluded surfer’s paradise to the nearest medical center for treatment.

• Trip cancellation: If you or a travel companion has an accident on the waves or falls ill, meaning your trip is cut short, your policy may help you get back home and recover your pre-paid travel expenses.

Besides wave surfing, your World Nomads policy may also cover:

• Land surfing
• Stand-up paddle surfing
• Windsurfing
• Sandboarding
• Kitesurfing
• Wakeboarding

Be sure to read through your travel insurance policy carefully as certain complementary forms of medical treatment may not be covered for surfing-related accidents.

What's not covered for surfing travel insurance?

World Nomads believes in providing support so that everyone has the chance to explore all the world has to offer. But you shouldn’t visit regions that have been deemed unsafe or unadvisable for travel, and you always need to be sensible and take care. World Nomads can’t cover everything, so please be aware of a few things, such as:

• If you’re a beginner, take lessons at a surf school. Don’t go looking for a wave ‘pocket’ or a ‘ramp’!
• Don’t go out on the ocean after drinking or taking drugs.
• We can’t cover you if you don’t follow your doctor’s advice after an accident.
• You should always take due care of your personal items when heading out on the waves.
• If anything happens to you as a result of a pre-existing medical condition, you can’t expect to have your treatment covered.

How to get the most out of your travel insurance

As a surfer, there’s a good chance you’re going to be up for trying a few other adventure sports or activities while on vacation.

World Nomads provides cover for more than 150 different exciting sports and activities that you can try out while traveling overseas. But you should always make sure you carefully read the different policies - Standard, Explorer and Explorer Plus  - and decide which one is right for you.

Enjoying your vacation to the max often means making the right decisions. So when heading out for those early morning breaks:

• keep an eye on the storm warnings.
• recognize your own limits and respect the ocean’s warning signs.
• check out the area beforehand and watch out for submerged rocks and reefs.
• it may be a good idea to surf with others so you can always take it in turns to stay with everyone’s stuff on the beach. Your insurance won’t cover it if your belongings have been left unattended.

Obviously, on a surfing vacation, this is what you’ll want specific coverage for. But World Nomads travel policies cover many of those other unexpected and sometimes unavoidable things that can happen when away from home.

You may need medical attention after twisting your ankle hiking over the hill to another beach or eating some local seafood that didn’t agree with you. There is still even the possibility that you might catch COVID-19. Whatever happens, travel insurance for medical emergencies is important as it may provide you with medical care and attention when far from home.

The World Nomads emergency assistance team can also provide you with 24/7 help on a range of unexpected events. These may include providing guidance to the nearest hospital or police station or informing your family back home of any emergencies and helping receive funds quickly and easily if you find yourself in difficulty.

Obviously, this is just a brief outline of why it’s a good idea to have some travel insurance if you’re on a surfing vacation. For more detailed information, get a quote online and carefully read through the policy options available. If you have any questions, feel free to contact us.