Learn what's covered if you have booked and paid for your trip and unexpectedly need to cancel.
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If you’ve booked and paid for your trip and need to unexpectedly cancel, the last thing you want is to be out of pocket for non-refundable trip costs. World Nomads travel insurance plans offer coverage for your non-refundable, pre-paid travel arrangements, such as transportation and accommodation expenses if you need to cancel your trip for a covered reason. So, you’ll have one less thing to worry about and you can start saving for your next adventure instead.
If you must cancel your trip due to a covered reason, there's trip cancellation coverage in both our Standard and Explorer travel insurance plans. We cover your non-refundable prepaid trip costs (up to the maximum limit listed in the schedule of benefits) if you can't travel for a covered reason.
Medical emergencies are one of the most common reasons for trip cancellation. You may be covered if one or more of the following people develops a medical condition as certified by a physician that prohibits them from travelling, or dies:
We know more than illness can stop you from travelling, so we also provide trip cancellation coverage in cases like these:
It's important to note that trip cancellation coverage will not be available for an event or circumstance that is known before you purchase your travel insurance. Examples include, but are not limited to: an already-announced strike, an already-named hurricane and a pre-existing medical condition.
When you get a quote, be sure to read through the policy to understand the coverage and what the limits are, and any conditions and exclusions that apply. If you have questions regarding the coverage, please contact us.
Travel insurance isn't designed to cover everything. Here are some things that are not covered by your World Nomads plan:
Depending on your trip cancellation claim, you'll need copies of:
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.
I have to cancel my trip to Tanzania because my wife had an accident and she is waiting for a scan of her back. I should fly to Berlin tomorrow, then Bergen and day after to Africa. It is impossible now because she is alone in the house and I have to take her tomorrow to hospital for another scan. I paid 900 pounds for a Kilimanjaro Climb which is not refundable as it is too close to departure. I paid a deposit for a 3 day safari and had to cancel flights and my volunteer job.
Here are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamCanadian residents can protect their baggage and gear with travel insurance
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We’ve been the ones sitting at the baggage carousel waiting for the bag that never came. Sometimes it’s just delayed, but other times it’s gone forever. Either way, it’s no fun. We hope you never have to deal with that situation, but if you do, travel insurance could come in handy.
A travel insurance plan that includes baggage coverage could help you with a variety of situations other than just lost bags. Some other things covered by your travel insurance may include:
If your bags are lost by a common carrier, travel insurance could reimburse you for the depreciated value to replace items such as clothing, cameras, computers, and more (maximum and per item limits apply.) Items that are lost are reimbursed at the depreciated value that is listed in your policy wording. Make sure you have a receipt that shows the price you paid for the item. In addition, it’s helpful to have a picture of what you are packing in your suitcase so you can prove you had that item with you.
Sometimes your checked bags accidentally take a different route to get to your destination. Even though they may eventually get to you, you could find yourself waiting for hours to be reunited with them. If your checked bags are delayed for at least 12 hours by an airline or ground carrier, you could be reimbursed for things such as toiletries or a change of clothes (up to maximum limits.)
You’ll need to report the issue to your airline if it was lost by them. For example, if your airline lost bags that you checked, you’ll need to get them to provide you with written evidence of the loss. Find out how they will compensate you and make sure you get it in writing. You’ll also need to keep any relevant tickets, luggage check information, receipts, and other documentation related to the issue. You’ll need these items if you plan to make a claim.
Since checked bags have a way of getting lost sometimes, it can be a good idea to keep your policy number handy, as well as the phone number for the 24/7 Emergency Assistance team. We suggest putting the information in your phone or keeping a copy of the paperwork in your carry-on bag so that you have it easily accessible. You’ll need to contact us immediately to let us know if your bag gets lost. Our LiveTravel™ Emergency Assistance team can also start tracking down your bag immediately.
World Nomads travel insurance offers two options for Canadian residents - the Standard and Explorer plans. The Explorer plan costs more but has higher limits and sub-limits of coverage. For example, the Standard plan offers coverage that includes up to $1,000 CAD for baggage and personal effects that become lost or damaged by the common carrier or stolen, while the Explorer plan offers up to $3,000 CAD for baggage and personal effects that become lost or damaged by the common carrier. The Explorer plan also offers higher maximum limits for things such as baggage delay and loss of sporting equipment by a common carrier.
When you get a quote for travel insurance, you’ll be able to see the costs and compare the coverage of each plan side by side. We encourage you to review both plans so that you can determine the best travel insurance plan for your needs. If you aren’t sure if something is covered, contact our customer service team and they can help explain what each policy includes.
Pickpocketing is common in some destinations and is especially prevalent in areas where there’s large crowds. While there’s things you can do to try to avoid being a victim of pickpocketing, it’s unfortunately happened to some of our nomads. If it happens to you, your travel insurance could cover the cost to replace your stolen items (subject to depreciation.) Just make sure you make a police report with the local police as soon as it happens. You will need this documentation if you plan to make a claim.
If your passport, driver’s license, birth certificate, or travel visa is stolen, or accidentally damaged while you’re travelling, your travel insurance could reimburse you for the cost of replacement (up to maximum limits as shown in your policy wording.)
If you’re travelling outside of Canada, you’re going to need your passport to get back home, so you’ll want to reach out to the Government of Canada’s passport office as soon as possible. You can then start the process of getting an emergency passport. You’ll also need to contact the police and get a written police report about the theft of your passport or other travel documents. Make sure you also contact us to let us know about the loss theft.
It’s up to you to keep an eye on your bags and try to keep them safe. We know accidents happen, but if you intentionally leave your bags unsupervised, leave them in an unlocked car, or accidentally leave them behind, you wouldn’t be able to claim that on your travel insurance. A few other things that wouldn’t be covered include:
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, just ask us.
Here are our most frequently asked questions about buying travel insurance for baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
Get written evidence of the loss from your airline, including documentation showing how they will compensate you. You’ll also need to contact us to let us know about the loss. Make sure you keep any relevant tickets, luggage check information, and other documentation related to the issue. You’ll need these items if you plan to make a claim.
Travel insurance could help with the cost of replacing your stolen items (up to depreciated value.). If you’re a victim of a robbery, you’ll need to report it to the police as soon as possible and get a police report. You’ll need written documentation of the robbery if you intend to make a claim.
Besides baggage coverage, travel insurance can also cover a variety of other things such as emergency medical expenses, emergency evacuation and repatriation, trip cancellation, trip interruption, and trip delay. There’s also over 250 activities that are covered for Canadian residents.
You can start a claim online by logging into your member account. If you need help, contact our team and we’ll be happy to assist. Make sure you have your policy number, receipts, and any other documentation such as police reports and written proof of loss from your airline.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamI arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Don't let your medical expenses bury you.
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We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter accidents, and at least one shark bite! When the unexpected happens, our 24/7 emergency medical assistance teams will support you and your family, so you can focus on getting better.
If you’re injured in an accident or suddenly get sick while traveling, and you've bought a policy for the activities you're doing, you can be covered for emergency medical treatment including:
We also have 24 hour multi-lingual assistance teams who can guide you to the nearest hospital, set up direct payments to the medical facility where available, and help you navigate local customs. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits or exclusions of cover as described in your policy.
You must contact us before seeking medical attention, emergency evacuation or repatriation. Failure to call may result in limits or denial of claims. If your medical condition prevents you from calling, you must call as soon as medically possible or have someone call on your behalf.
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
For more information check out our articles on overseas medical coverage and adventure sports coverage.
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.
It’s essential that you get in contact with our Emergency Assistance team as soon as possible so that our team can support you from the time your fall sick or get injured until the time you're well again.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. I received the first Rabies vaccination and then went to the International SOS office in Bali for an examination. There I received a second rabies shot, and then immunoglobin shots.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamHere are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
If the worst happens, travel insurance may be able to help.
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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.
The world can be a volatile place, and we know terrorism is a concern for many travelers. Read on to learn more about what our travel insurance* plans cover.
First things first – get yourself to safety and follow the directions of the local authorities. When you are safe, give our 24/7 Emergency Assistance Team a call and let them know where you are and what happened. The team may be coordinating with other travelers like yourself, and may be able to assist with directions, advice or even emergency evacuations, if you are in imminent physical danger. The team may also have contacts within the local governments or embassies, and this could be a valuable resource in your scary situation.
If you get injured in a terrorist incident while traveling, the emergency medical expense may reimburse you for:
If you are not injured but are in imminent physical danger due to political unrest or security incidents, you may be eligible for evacuation to your original destination or to the nearest place of safety. You’d need to contact our 24/7 Emergency Assistance Team if this happens and then may be able to make arrangements, keeping you informed as the situation develops. Often times, you won’t be the only traveler in this situation and so plans may already be in place for evacuations when you call.
If a terrorist incident takes places in your departure city or in a city listed on your trip itinerary within 30 days of your departure date, you may have coverage for trip cancellation or trip interruption. In order to be eligible for coverage, you must purchase your travel insurance plan before an incident happens.
If you are concerned about future events, whether they are terrorism-related or not, you may also want to consider the optional ‘cancel-for-any-reason' add-on benefit. If you have an Explorer or Epic plan, you can add this benefit (for an additional charge) and you would be able to cancel your trip for any reason and recover a portion of the non-refundable, prepaid trip expenses. You must purchase this benefit during the time sensitive period of 7 days within making your first trip deposit or payment (booking an airline ticket, reserving a hotel, etc). Maybe you are just too nervous to fly right now – that will be covered with this benefit. Maybe the political environment has changed in the country you planned to visit, and you feel it’s now unsafe... that will be covered. If you don't have ‘cancel for any reason’, you will only be eligible to cancel or interrupt your trip for the specific covered reasons listed in your plan.
Travel insurance isn’t designed to cover everything. Here are some things excluded from coverage (apart from the add-on ‘cancel for any reason’ benefit):
Always research your destination before you travel. Visit travel.state.gov for the most up-to-date advice, travel advisories and security alerts provided by the U.S. government.
Register your trip with the State Department’s STEP program.
If the government of the United States or your host country makes an announcement about a potential terrorist incident, it’s a good idea to leave the area if it is safe to do so.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.It’s essential that you get in contact with our assistance team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance team can assist you quickly, please be ready with the following:
After the terrorist attacks in Paris on November 13 and subsequent raids in St. Denis on November 18, we decided to cancel our trip until a better time to travel with our children overseas.
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance can cover repatriation if you encounter a medical emergency abroad and need to be evacuated.
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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.
Whether you’re trekking to see Machu Picchu, surfing in Maui, scuba diving off the coast of Thailand, or skiing in Canada, accidents or sickness can happen at any time during your trip. If you’re far from appropriate medical facilities, emergency evacuation insurance can help get you the care you need.
Unexpected medical emergencies can happen at any time, whether you’re near or far from home. Appendicitis, a broken leg, animal bites and even a bout of severe food poisoning have all sent travelers to the hospital. But what happens if the nearest hospital or appropriate medical facility is dozens or even hundreds of miles away?
Medical transport – particularly Medevac flights – can cost tens of thousands of dollars. What could be a lifesaver could deplete your savings. Emergency evacuation and repatriation coverage may cover, up to the policy limits, the cost to get you to the closest appropriate medical facility or home for further treatment.
An emergency evacuation involves transporting patients to a hospital or other medical facility in order to be treated.
Repatriation is a type of evacuation that returns travelers back home, typically after their condition has stabilized and when a doctor advises that they should no longer travel.
And in a worst-case scenario, if a traveler dies on vacation, World Nomads travel insurance also covers repatriation of remains. It’s not an easy thing to think about, but it does happen from time to time.
Under your World Nomads plan, emergency medical evacuation is covered if it’s recommended by the attending physician and pre-approved by our 24/7 Emergency Assistance team. This benefit could include transportation costs and any related medical services or supplies. If you’re going to be at the hospital for a prolonged period of time, it may also include the transportation of a family member or companion to your bedside or the return of a dependent child back to your home.
Emergency evacuation and repatriation typically takes place through a commercial flight, though other modes of transportation could include:
The key thing to remember is that you need to get pre-authorization for a medical evacuation.
Our travel insurance plans exclude coverage for any of the following:
This is not a full list of what's covered and what's not covered. Other limits and conditions may apply. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually Please read your policy wording in full and contact us if you have any questions, we’re happy to help.
In the event of a life-threatening emergency, call the local emergency authorities first to receive immediate assistance, and then contact our 27/7 Emergency Assistance Team, who can support you every step of the way.
Please be ready with the following:
On my second day in Burma, I woke up in the middle of the night with intense abdominal distress. I was rushed to the Asia Royal Hospital and immediately taken for evaluation and an ultrasound. I had a large mass in my abdomen and evacuated to Bangkok that evening to see a specialist. I was admitted to Bumrungrad International Hospital, where I stayed for eight days for a battery of tests, including several ultrasounds, a CT scan, and two aspirations of what turned out to be a renal cyst. After a conditional discharge, where I was restricted to rest, I was deemed stable enough to be evacuated. Two days later I was on a flight back to the U.S., where I am now continuing treatment.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamHere are our most frequently asked questions around medical repatriation and travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
Learn how travel insurance could help if your luggage misses your flight.
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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.
We’ve been stuck in some remote locations with only the clothes on our back, so we understand the need to freshen up when your bags don't arrive. If you’ve arrived at the snow without warm clothes, or the tropics without a fresh pair of underwear, we can help you navigate a common traveler gripe – delayed baggage.
When you arrive at your destination, but your bags don’t, and it’s looking like it will take some time for them to find their way back to you, World Nomads travel insurance* may help ease the blow.
If your checked-in bags are delayed by more than 12 hours en route to your destination, your plan can reimburse you for the essential items so you're not left wearing the same thing until your bags are found and returned.
Items you can claim reimbursement for if your bags are delayed include things like:
You may also be covered for other reasonable and (deemed) necessary essential items. For example, if you’ve arrived at the ski slopes in Europe without a warm jacket (and other clothing to suit the weather of your destination), or you’ve traveled for a big event like a wedding and your dress or tux was in your checked bag.
Get in touch if you’re unsure what you can claim and be sure to look at your plan wording, including per-day and maximum limits, before making any purchase to replace your delayed items. When you get a quote, you can compare the coverage and limits in our plans side-by-side.
If your checked baggage is lost or delayed by an airline, you should first talk with the airline and try to get it sorted out with them. If the bag is still lost, your next email should be to our non-insurance service partner “Blue Ribbon Bags”. They will get on the case and get your bag headed in the right direction, quickly. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then provide Blue Ribbon Bags with the file reference, record locator number, and Property Irregularity Report.
While things like a change of clothes and toiletries fall under the ‘items you can claim if your bags are delayed’ umbrella, not everything is reimbursable. The following items are excluded:
This is not a full list of exclusions. Please read your plan wording for full details including per-day and maximum limits.
If your bags are missing for an extended time, you’re probably going to need to make a claim. Travel insurance is secondary to other coverage you may have, so you will need to claim reimbursement with your common carrier first, then with us for the remaining amount your airline won’t cover.
Take a look at our article What to do if your luggage is delayed for more information. And if you’re still not sure, get in touch and one of our team members can advise.
There are limits on the amount you can spend, and if your bags are returned within the 12-hour waiting period, then coverage will not apply. So, before you go shopping for a new wardrobe, check your plan carefully on the limits, conditions and exclusions that may apply before you buy.
Sometimes it pays to squeeze everything into your carry-on luggage. Check out our handy tips for traveling with carry-on only and take care you don’t exceed luggage weight limits.
One of the best ways to keep your luggage safe is to keep your valuables with you. When in transit, take your most precious items out of your checked-in luggage and carry them with you in your carry-on luggage or daypack.
Finally, read our article on baggage and gear to learn about coverage for lost, stolen and damaged baggage.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
I arrived in Delhi from Rome. Baggage claim help desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered to me. It was cold in Delhi (being winter, December) and my warm jacket was in my bag, requiring that I purchase a jacket and other items of warm clothing that I had not taken in my carry-on.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamLearn what’s covered for Americans if you need to cancel your trip.
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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.
Whether you love trying new foods, discovering different cultures or getting active outdoors, the joy of travel is hard to beat. If you have no choice but to cancel your trip, dealing with the disappointment is hard enough – the last thing you need is to be out of pocket for a trip you’ve planned, booked and paid for but can’t enjoy.
However, if this happens to you, you’ll be patting yourself on the back for getting travel insurance*. World Nomads insurance plans may reimburse you for the non-refundable, pre-paid dollars you’ve handed over for everything from activities and tours to transportation and accommodation. Now you can get on with planning your next adventure.
Trip cancellation is a benefit that reimburses you for pre-paid, forfeited, non-refundable trip payments if you need to cancel for an unforeseen, covered event such as an illness, injury, jury duty, a death in the family or an airline strike.
Reimbursable costs could include things like airfares, train tickets, hotel rooms or tour expenses. The amount you receive could be up to 100% of the trip cost, up to the maximum benefit amount specified in your plan.
Trip costs can add up, especially if you’re booking long-haul flights, extended hotel stays, group tours, cruises or packages. No matter how you travel, it’s no fun to lose what you’ve paid towards your trip when it turns out it’s a no-go. The next-best desirable outcome (other than going on your trip)? Getting reimbursed for your non-refundable expenses if you cancel for a covered reason.
Our single-trip and annual travel insurance plans all include trip cancellation coverage. Our Epic and Explorer plans also have the option to add-on a ‘cancel for any reason’ benefit. When you get a quote, you can compare the plans side-by-side and determine which one might be right for you.
All our plans include trip cancellation coverage that allows you to cancel your trip for a list of specified covered reasons, but if you purchase our Epic or Explorer plan for your travels within the time-sensitive period, you can also opt to include cancel for any reason add-on coverage. With cancel for any reason coverage, benefits will be paid for up to 75% of prepaid and non-refundable deposits and payments you made towards your canceled trip for a wider range of reasons. Broke up with your partner? You can safely cancel your trip. Sick dog? You don’t have to go. Change your mind about traveling? There’s no judgment here.
Keep in mind that conditions apply and last-minute cancellations (less than two days before departure) aren’t covered. Compare the plans to see which one best suits your needs. Cancel for any reason’ coverage is not available to residents of New York.
To be eligible for trip cancellation benefits, you’ll need to explain why your trip was canceled. You could be covered for the specific reasons listed in your travel insurance plan. Examples of covered reasons include:
To have coverage, you must also meet the plan conditions and eligibility requirements. For example, if you cancel your trip because of a terrorist incident, the incident must have occurred in a city listed on your itinerary within 30 days of your departure. And if your plans are disrupted by a strike, it must cause your common carrier to stop services for at least 24 hours. Read your full plan wording for a full list of requirements.
It's important to note that no coverage will be available for an event or circumstance that is known before you purchase your trip protection plan. Examples include but are not limited to an already-announced strike, an already-named hurricane, or a pre-existing medical condition (without the exclusion waiver).
Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually.
Travel insurance isn’t designed to cover everything, even though some circumstances are beyond your control. Our plans don’t offer trip cancellation coverage for:
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.
Depending on your case, you'll need copies of:
I had to cancel my trip to Tanzania because my wife hurt her back in an accident. I was supposed to leave in three days, but it is impossible now because I have to take her to the hospital for a scan. I paid for a Kilimanjaro climb which is not refundable because it was too close to my departure date. I also put down a deposit for a three-day safari and had to cancel flights and my volunteer job.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamHere are our most frequently asked questions about buying travel insurance for cancellation. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
Protect your luggage and personal belongings with World Nomads travel insurance for Americans.
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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.
If you’ve ever been the last one standing at the baggage carousel at an airport, waiting in vain for your belongings to appear, you know the sinking feeling that comes with losing your luggage.
While this is one of the most common ways your bags can go missing, other issues with your stuff can arise too, like delays, damage, and theft.
Our travel insurance* may help when your bag’s plans go awry.
We know how much your bags mean to you while you’re traveling. They hold all your carefully packed items, like your favorite hiking boots, your journal, and that special something you bought just for this trip. Sometimes all your worldly processions are in those bags! That’s why baggage coverage is your best bet when your bags go AWOL.
No matter which plan you choose (compare them, and then get a quote), you may be able to get assistance if any of these common problems happen to you:
You will need to prove you owned the items you are claiming for, including the clothes in your bag or the electronics in your backpack. The easiest way to do this is to save receipts and take photos of what you are packing, prior to leaving on the trip. However, if you don’t have either of those, you may still be able to make a claim. Also, it’s important to remember that depreciation will be taken into account in all lost bag claims.
Coverage is secondary to any coverage from your common carrier and are subject to per-item and total maximum benefit amounts as shown on your plans.
It’s important to read through your plan wording to become familiar with what is and isn’t covered, so there are no surprises if you need to make a claim.
If your checked baggage is lost or delayed by an airline, our partnership with non-insurance service Blue Ribbon Bags ensures prompt recovery. Blue Ribbon Bags tracks and expedites your lost luggage, allowing you to continue your travels smoothly. Included in all plans, this service covers every flight on any airline worldwide. You'll receive updates at every step. Just report your lost bags to the airline, then fill out the form on our partner page on Blue Ribbon Bags website. You’ll need the file reference, record locator number, and Property Irregularity Report.
While World Nomads travel insurance is designed to cover your trip essentials, travel insurance isn’t designed to cover everything. Certain situations and circumstances may mean your baggage is not covered by your travel insurance. Travel insurance does not cover:
Had your bag stolen while on the overnight train from Bangkok to Chiang Mai? Or perhaps it got lost in transit en route to Peru? Bags can lose their way for a variety of reasons. It helps to know how to pick yourself back up again if you find yourself without your stuff while traveling.
If your luggage has been stolen or is lost along the way, there are a few things you need to do to increase the likelihood of your travel insurance reimbursing your loss. Take a look at this easy-to-follow guide for what to do if your luggage is stolen. Remember, the first rule of thumb is always to report it.
In addition, if your luggage is delayed more than 12 hours, you may be entitled to replacement costs for essential clothing and toiletries. Check your policy wording carefully as terms and conditions apply.
While stealthy thieves and misplaced bags are a traveling reality, there are a few simple tips and tricks you can keep in mind while traveling to help reduce the risk of losing your most valued processions.
From always packing and carrying your own bags to safeguarding your bags with zip ties, follow these essential tips from travelers on how to keep your belongings safe while you travel.
Ready to pack your bags? When you get a quote you can compare our single-trip and annual plans and decide which one might best suit your needs.
Still not sure? Get in touch and we can help you decide which travel insurance plan is best for your next adventure.
*All information we provided here is a brief summary. It does not include all terms, conditions, limitations, exclusions, and termination provisions of the plans described. Please carefully read your state specific plan documents for a full description of coverage. Travel insurance is included as part of your travel protection plan which contains both insurance benefits and non-insurance assistance services. Material included on this page does not represent, nor is it specific to, United States Fire Insurance Company or travel insurance benefits provided on United States Fire Insurance Company’s travel protection plans.Here are our most frequently asked questions about cover for delayed baggage. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
When I arrived in Delhi from Rome, the baggage claim desk informed me that my bag had been delayed in transit. I was without my bag for almost a week before it was finally delivered. Since it was winter in Delhi, and my warm jacket was in my bag, I had to purchase a new jacket and other warm clothing that I had not packed in my carry-on.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamRobust medical coverage for Americans traveling abroad
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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.
We’ve seen some pretty hairy accidents and illnesses, from aneurysms to scooter crashes, and at least one shark bite! When the unexpected happens, you will want to know who to call and how to get help. When you purchase one of our travel insurance* plans, you can rest a bit easier on your trip knowing you made plans for the “just in case”.
One of the key reasons many travelers purchase travel insurance is to make sure they are covered for an unexpected injury or illness while on vacation. Food poisoning, bike accidents and serious illnesses happen more than you might imagine. Sometimes you might just need advice on where to find a local doctor to get some medicine. But a serious illness or injury may require hospitalization, surgery or other medical treatment. In many cases, if you get sick or injured, a hospital may not treat you without upfront payment or providing proof you purchased a travel insurance plan.
World Nomads travel insurance covers a wide range of overseas medical expenses, including:
This is not a full list of what's covered. Terms, conditions, limits, and exclusions apply. Coverage may depend on your past medical history, what's happened to you and any other conditions, limits, or exclusions of coverage as described in your plan.
With the 24/7 Emergency Assistance Team, you’re never alone during a medical emergency. The team provides support to find local medical facilities and can even arrange repatriation if needed, ensuring your safety and well-being.
Our Single trip or Annual travel insurance plans for US residents all offer support should you unexpectedly get sick while traveling. Our medical coverage includes benefits for serious illnesses, such as COVID-19, or being placed under strict quarantine by a physician or government mandate, among other scenarios.
Your travel insurance plan may help with emergency medical treatment for unexpected injury or sickness, including contracting COVID-19 while you are traveling. You may also be eligible for Trip Interruption benefits if your travel arrangements have changed mid-trip because you’ve contracted COVID-19 and a doctor diagnoses you as too sick to travel.
For more information on benefit limits, conditions and exclusions, read our What’s Covered for Coronavirus article.
While our travel insurance offers extensive coverage, certain exclusions apply, such as some pre-existing medical conditions and non-emergency treatments that can wait until you return home. The following situations are excluded from coverage:
Here are a few other things you may want to keep in mind as you plan your trip:
It’s essential that you get in contact with our assistance teams as soon as possible so that our teams can support you from the time you fall sick or get injured until the time you're well again.
So that our Emergency Assistance teams can assist you quickly, please be ready with the following:
While visiting the Monkey Forest in Bali, I was bitten by a monkey and blood was drawn. After returning to our hotel we then visited a local doctor the same evening of the bite. I received the first Rabies vaccination and then went to the International SOS office in Bali for an examination. There I received a second rabies shot, and then immunoglobin shots.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamHere are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
Get covered by World Nomads, even if you're already overseas
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Here are our most frequently asked questions about buying away from home. You can also find the answers to other questions in our Help Center or you can ask the customer service team.
Already travelling, decided to extend your stay and realised your travel insurance has expired? Or worse… realised you never bought it in the first place?
With World Nomads, if you live in the United Kingdom and you’re 69 years or younger, you can buy a policy online, anytime, from anywhere in the world.
We’ve designed simple and flexible travel insurance so you can buy what you need, when you need it, even while travelling. If you forgot to buy a policy before you started your trip, are outside the UK, or your cover has ended but your trip hasn’t, you can buy a World Nomads policy 24/7 online.
If you buy a policy after leaving home or when already overseas, a waiting period may apply, which means you may have to wait up to 72 hours for full cover to apply, and certain benefits (like pre-trip cancellation) may not be available as you’ve already left home (for trips solely winthin the UK) or boarded your transportation for international trips. Where the insurance is purchased after your trip has commenced, your country of residence will determine the laws, regulations and tax that apply.
Any illness or injury that occurs during the waiting period may be considered a pre-existing medical condition and, as a result, will not be covered. However, no waiting period applies if you're seriously injured as a result of an accident, if it’s witnessed by someone else, after you buy a policy.
Lastly, if you buy a new policy before your current policy expires, you'll have continuous cover. However, as your new policy terms and conditions may differ from your previous one, be sure to read the Policy Wording before you buy, as it will have full details of the cover, limits, conditions, and exclusions.
Waiting Periods apply
On the 25th of December I woke up feeling nausea, fever, headache, and lethargy. After two days with the symptoms not ceasing I went to a clinic and was admitted with severe malaria. I stayed in the hospital for two days taking shots for malaria and also saline drip.
Been working hard for your trip?
We'll work hard to protect it.
We’ve got your back.
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
We’ve got your back.
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Help starts here.
Love photography, filming or sport?
Cover your bags, tech or gear.
Help starts here.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team