Travel Insurance for Natural Catastrophes
For when nature intervenes.
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For information relating to policies purchased prior to 27 June 2024, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 27 June 2024, please see below.
Natural catastrophes not only cause physical harm, they also shut down airports, wipe out accommodation, and cancel trips.
While some natural catastrophes are completely unpredictable, a lot of them - think hurricanes, flooding, and even volcanic eruptions - often give off enough warning for you to prepare yourself so you're not caught unaware.
For those policies that do cover natural catasatrophe in one way or another, you'll need to have bought a policy before the event is known and do everything you can to minimise your expenses.
What does travel insurance cover if there is a natural catastrophe?
Natural Catastrophe is defined as: Volcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.
The Explorer plan may offer some Natural Catastrophe cover if your trip is affected. Trip Disruption includes cancellation, trip curtailment along with some delayed/missed flight cover.
Also with our Explorer plan, in the event of a natural catastrophe, cover may be provided for additional accommodation expenses incurred to move to an alternative if, after checking in during your trip, your are forced to move after your original pre-booked accommodation became uninhabitable for at least 24 hours.
Not all of our plans cover natural catastrophe. It's a good idea to read through the policy wording as you go through the purchase path as there are limits on the cover depending on which plan you buy.
What’s not covered by travel insurance in a natural catastrophe?
- If you’re a storm chaser and put yourself in its path
- If you don’t follow the advice of the authorities
- If you hang around to watch what happens
- If you buy a policy after an event becomes known
For more information check out our article on natural catastrophes and read your policy carefully before you buy.
If you’re travelling to a region that’s known for natural catastrophes, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural catastrophe impacts your trip, you won’t be covered for any expenses.
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 get in touch.
If you’re travelling to a region that’s known for natural catastrophes, it's a good idea to do some research to see if there have been any warnings. If you buy a policy after an event is known, and the natural catastrophe impacts your trip, you won’t be covered for any expenses.
Tsunami in Sumatra.
On the night 25/10/2010 I was on the surf charter boat, in the Mentawai Islands, Sumatra, Indonesia. There was an earthquake and tsunami that hit and completely destroyed the boat. The boat caught fire. The fire spread rapidly and we had to abandon ship. The boat along with all personal belongs were completely destroyed. The fire spread so quickly that there was no time to collect any belongings. The only things I ended up with were the shorts I was wearing, my watch and wedding ring. Almost all my possessions and documentation were on the boat and destroyed.
Claim Paid: $2942.68
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 unfit to travel?
- Close relative suddenly dies?
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
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
Expenses included in Emergency Medical limits.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac 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 |
FAQ
Here are our most frequently asked questions about natural catastrophe insurance. You can also find the answers to other questions in our Helpdesk or you can ask our customer service team.
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Can I get I get a refund on my policy if I'm no longer traveling?
If the policy is outside of its cooling-off period, there is no refund for the unused portion of your policy premium.
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Does my policy automatically extend if I'm unable to get home?
If the reason you cannot return home is covered under the policy, it may be automatically extended.
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I can't travel on my policy. Can it be credited for future use?
Policies can't be credited for future use. If your policy is still within the cooling-off period, and you have not travelled or submitted a claim, you can cancel the policy and get a refund.
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If my transport has been cancelled, will you charter an aircraft to get us out of where we are?
No. None of the policies will cover expenses to charter an aircraft.