Travel insurance: delayed and missed flights

Transport cancelled, delayed for 12 hours or more, you can’t board because it’s overbooked, or it’s redirected after departure? Your World Nomads travel insurance plan can contribute to the cost of some essential items you’ve needed to buy to tide you over.

What’s covered for delayed transport?

If the common carrier, such as the airline, doesn’t provide alternative transport and accommodation, and if you end up continuing your trip, we can cover:

  • Expenses from the period of delay, such as reasonable telephone calls, internet access and meals and refreshments. What’s reasonable? The grub to keep you going: yes. Extended international calls and/or Michelin-star cocktail menu: no.

  • Reasonable additional accommodation and transport expenses.

  • The cost of local transfers needed to get to the destination or return home. 

What about missed connections?

If you’ve chosen the Explorer Plan, you may be covered if you miss your connecting transport because one of the following unexpectedly happens:

  • The carrier fails to get you there on time.

  • There’s a strike or industrial action.

  • Adverse and unforeseeable weather keeps you grounded.

  • The flight is overbooked and the airline offers no alternative.

  • Your car breaks down or you have an accident on the way to the airport.

Please contact the carrier immediately if another carrier’s delay has affected your connecting transport. 

How does cover for delayed and missed flights work?

For you to be able to claim for reasonable additional travel and accommodation expenses, the travel delay or missed connection must be unforeseeable and no fault of yours.
Please try to keep your costs as low as possible (sorry, no presidential suite at The Ritz), and you must try to get a refund or compensation from the transport provider before making a claim on the policy. Please keep all this documented with receipts, correspondence, written confirmation and an explanation from the carrier.
Any travel delay or missed flight connection claim will have a policy excess/co-pay deducted per person, per claimable event. Payments will also be less any refunds or compensation from the carrier.


What’s not covered?

Travel insurance is not designed to cover everything, so take the time to read the policy wording, so there are no surprises if you do need to use it. Here’s some examples of where you have no cover:

  • You simply change your mind.

  • You were aware, at the time of booking or buying the tickets and your travel insurance, of circumstances that might cause a travel delay or missed connection.

  • You don’t allow enough time to get to the airport and check-in as required by the carrier. For example, not factoring in extra time for heavy traffic in peak hour.

  • For any unused accommodation expenses or no-show fees in connection with travel delay.


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

For policies purchased on or after 1 August 2019: Your policy is underwritten by XL Insurance Company SE. For policies purchased between 17 January 2019 and 31 July 2019: Your policy is underwritten by Lloyd’s Insurance Company SA. For policies purchased between 2 December 2018 and 16 January 2019: Your policy is underwritten by certain underwriters at Lloyd’s.

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Our contact details

We’re here to help if you have a question about travel insurance. We’re available:

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1)

Contact us


For policies purchase on or after 2 December 2018:

+353 21 237 8006


For policies purchased before 2 December 2018:

+61 2 8256 1542


For policies purchase on or after 2 December 2018:

[email protected]


For policies purchased before 2 December 2018:

[email protected]