What to do if you have to cancel your trip due to illness or injury
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1. Rearrange or cancel your bookings
As soon as you know that you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel. Your policy offers cover for some insured events that will allow for cancelation owing to injury or illness. Check your policy carefully to see if these apply in your circumstances.
Just remember, when an insured event occurs, if you decide to rearrange your trip rather than cancel it, we’ll only reimburse your rearrangements costs when they are no greater than your trip deposits paid to date, or up to the pre-trip cancellation benefit amount for your policy, whichever is less. If you don’t rearrange or cancel as soon as reasonably possible, we may not cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary.
2. Get it in writing
To support your claim, you’ll need to get the following:
- Doctor or other medical practitioner’s report, confirming what happened and the nature of the illness or injury.
- Hospital admission report (if the person was admitted to hospital)
- Ambulance report (if they were involved)
- A police report (if they were involved)
- Any other relevant documentation related to what happened.
- Proof of residence (e.g. utility bills in your name, tenancy agreements, other insurance certificates)
What does my travel insurance cover?
3. Keep your itineraries and receipts
You’ll need to keep your receipts, itineraries and booking and cancellation confirmations, including details of any refunds received for any affected transport and accommodation.
This information may help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.
Am I covered if I cancel my trip due to COVID-19?
The Coronavirus has made planning a trip harder than ever – which is why we’ve tried to add some certainty to the process with cover available on both the Standard and Explorer plans. Cover is provided if you’ve had to cancel or rearrange your trip due to you being certified as too ill to travel by a medical practitioner due to Covid-19. Diagnosis must be made after you’ve bought your policy, and benefit limits apply.
If you have no option but to cancel your trip and the event is unforeseen and out of your control, you may be covered for the following:
- If you or a member of your travelling party are diagnosed with Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements. You will need to be certified by a medical practitioner that you are too ill to travel.
- If your immediate relative is hospitalised or dies due to Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements.
- If you are a member of the armed forces, police, fire or certified medical professional and your pre-arranged leave is cancelled by the employer, we will pay the non-refundable portion of your pre-paid travel arrangements.
To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.
Please note: COVID-19 cover depends on your Country of Residence and may vary depending on when your policy was purchased.
This is only a summary of cover and does not include the full terms, conditions, limitations and exclusions 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.
Travel Insurance Benefits: how we can take care of you
Trip Protection
Protect your hard earned vacation from unexpected cancellation before you leave home.
- Explorer Plan: €10,000
- Standard Plan: €4,000
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy in an accident?
- Sudden death of an immediate relative?
We’ve got your back.
Emergency Abroad Medical Expenses
Take the pain out of medical costs while traveling abroad.
- Explorer Plan: €10,000,000
- Standard Plan: €5,000,000
Emergency Medical Insurance
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Injured abroad?
- Need a hospital urgently?
- Medical evacuation home?
Help starts here.
Protect your gear
Covers the loss, theft or damage of your bags, tech and gear (just not sports equipment when in use).
- Explorer Plan: €3,000
- Standard Plan: €1,500
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Overseas Emergency Medical & Dental Expenses
- 24 hour Emergency Medical Assistance
- Emergency Medical Transport
- Repatriation & Travel Expenses
- Trip Disruption
- Travel Delay (Explorer)
- Missed connection (Explorer)
- Baggage & Personal Items
- Passport & Travel Documents
- Personal Liability
- Personal accident
Contact our Claims Team
We're here to help if you have a question about your claim. We're available.
Contact usFor policies purchased on or after 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +44 (0) 333 333 9621 |
| Denmark | +44 (0) 333 333 9619 |
| Germany | +44 (0) 333 333 9618 |
| Netherlands | +44 (0) 333 333 9617 |
| Country of residence | |
|---|---|
| Belgium | worldnomads.clmsbe@collinsoninsurance.com |
| Denmark | worldnomads.clmsdk@collinsoninsurance.com |
| Germany | worldnomads.clmsde@collinsoninsurance.com |
| Netherlands | worldnomads.clmsnl@collinsoninsurance.com |
For policies purchased before 27 June 2024
| Country of residence | Phone |
|---|---|
| Belgium | +32 (0)2 808 66 32 |
| Denmark | +45 89 87 30 23 |
| Germany | +49 (0)335 5622 3012 |
| Netherlands | +31 (0)20 8080731 |
