Yes, there’s cover if a natural disaster affects your travel plans and/or injures you although conditions apply. As we’ve recently changed our insurer, please select the date you bought your policy for more information:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)
 

For policies purchased on or after 1 Nov 2018:

Yes, there’s cover if a natural disaster such as an earthquake, cyclone, flood, volcano, tsunami, or asteroid hitting earth affects your travel plans and/or injures you.

However, you need to have your policy before these forces of mass destruction become a known event. So if you’ve done that, we’ll do everything we can to help you.

Does World Nomads travel insurance cover medical expenses of a natural disaster?

Yes. If you’re unlucky enough to be injured by a natural disaster, our emergency assistance team can help you get to the nearest medical centre, so you can receive the medical attention you need. If you’re so badly hurt that the emergency assistance team decides you need to go home, they can organise to transport you home. However, once you’re home, we’re not able to cover ongoing medical costs. You can find out further information here on how we help travellers with overseas medical treatment.

Does World Nomads travel insurance cover pre-trip cancellation if a natural disaster affects where I’m travelling to?

Unfortunately, there’s no cover on the Standard Plan policy for cancellation expenses if your trip is cancelled before you get to travel. However, if you’re on the Explorer Plan policy and the Travel Advice Unit of the Foreign & Commonwealth Office (FCO) issues a statement that all travel or all but essential travel is recommended, then you can be covered as long as the policy was bought before the event.

If my trip is interrupted, what can I claim for?

If you’re travelling on the Explorer Plan, and you’re caught up in a natural disaster, we can help you get out of the country you’re into the nearest safe location.

If I come home early, can I get a refund on the rest of my policy?

As the policy is outside of its cooling off period and you’ve travelled on it, there are no refunds. You are, however, welcome to make a claim for any additional expenses you might have incurred.

How do I claim?

Funnily, we get asked this a lot; so here’s something we prepared earlier, a step by step guide on how to claim. If you have questions about a claim, contact our claims team.

How do I get help?

It’s important that you contact your emergency assistance team as soon as you can so that they can help you out. Their details can also be found in on your certificate of insurance.

How to keep safe following a natural disaster?

  • Follow the advice of the local authorities and emergency services on the ground

  • Avoid downed power lines and disaster-caused hazards.

  • Use battery-powered flashlights and lanterns, rather than candles, gas lanterns or torches.

Following a disaster there may be rapidly moving water that can carry infections. Disasters resulting in massive structural damage can also result in exposure to chemical or biologic contaminants (i.e. asbestos).

In the case of earthquakes, do not return to your hotel/accommodations, or any building, if they are in any way damaged as aftershocks could cause a collapse.

Move to the nearest open area (oval, park) away from damaged buildings, trees or roads where power lines may have fallen.

If you are in an area prone to landslides and mudslides (i.e. very steep slopes, canyons, high rainfall zones) be aware of any sudden increase or decrease in water level on a stream or creek that might indicate debris flow upstream. A trickle of flowing mud may precede a larger flow. Look for tilted trees, telephone poles, fences, or walls, and for new holes or bare spots on hillsides. Listen for rumbling sounds that might indicate an approaching landslide or mudflow

How to avoid disease following a natural disaster?

Disease can spread very quickly post disaster, so ensure you protect against injuries and infections by wearing sturdy footwear. Tetanus is a potential health threat for cuts and grazes so make sure you see your doctor before you travel and update your preventative medications.

Frequent hand washing helps keep germs at bay. (If a traveller becomes unwell within six weeks of returning home and has fever, rash, respiratory illness or any other unusual symptoms, advise a physician of having just returned from a disaster-affected region.)

Drink only sealed bottled, boiled or disinfected water. For more information refer to the Centers for Disease Control and Prevention (CDC) website (http://www.cdc.gov/).

In the event of diarrhoea, replace lost fluids with clean drinking water or oral rehydration solutions.

Note: For policies purchased after 1 August 2019, your World Nomads policy is backed by XL Insurance Company SE. For policies purchased between 1 November 2018 and 16 January 2019, your World Nomads policy is backed by certain underwriters at Lloyd’s. For policies purchased between 17 Jan 2019 and 31 July 2019, your World Nomads policy is backed by Lloyd’s Insurance Company SA.

 

For policies purchased before 1 Nov 2018:

Yes, there’s cover if a natural disaster such as an earthquake, cyclone, flood, volcano, tsunami, or asteroid hitting earth affects that your travel plans and/or injures you.

However, it goes without saying that you need to have your policy before these forces of mass destruction become a known event. So if you’ve done that, we’ll do everything we can to help you.

Does World Nomads travel insurance cover medical expenses of a natural disaster?

Yes. If you’re unlucky enough to be injured by a natural disaster, our emergency assistance team can help you get to the nearest medical centre, so you can receive the medical attention you need. If you’re so badly hurt that the emergency assistance team decides you need to go home, they can organise to transport you home. However, once you’re home, we’re not able to cover ongoing medical costs. You can find out further information here on how we help travellers with overseas medical treatment.

Does World Nomads travel insurance cover pre-trip cancellation if a natural disaster affects where I’m travelling to?

Unfortunately, there’s no cover on the Standard Plan policy for cancellation expenses if your trip is cancelled before you get to travel. However, if you’re on the Explorer Plan policy and the Travel Advice Unit of the Foreign & Commonwealth Office (FCO) issues a statement that all travel or all but essential travel is recommended, then you can be covered as long as the policy was bought before the event.

If my trip is interrupted, what can I claim for?

If you’re travelling on the Explorer Plan, and you’re caught up in a natural disaster, we can help you get out of the country you’re in to the nearest safe location.

If I come home early, can I get a refund on the rest of my policy?

As the policy is outside of its cooling off period and you’ve travelled on it, there are no refunds. You are, however, welcome to make a claim for any additional expenses you might have incurred.

How do I claim?

Funnily, we get asked this a lot; so here’s something we prepared earlier, a step by step guide on how to claim

How do I get help?

It’s important that you contact your emergency assistance team as soon as you can so that they can help you out. Their details can be found in the following page: https://helpdesk.worldnomads.com/customer/en_ie/portal/articles/2408684-travel-insurance-who-do-i-call-for-emergency-help- as well as on your certificate of insurance.

How to keep safe following a natural disaster?

  • Follow the advice of the local authorities and emergency services on the ground
  • Avoid downed power lines and disaster-caused hazards.
  • Use battery-powered flashlights and lanterns, rather than candles, gas lanterns or torches.

Following a disaster there may be rapidly moving water that can carry infections. Disasters resulting in massive structural damage can also result in exposure to chemical or biologic contaminants (i.e. asbestos).

In the case of earthquakes, do not return to your hotel / accommodations, or any building, if they are in any way damaged as aftershocks could cause a collapse.

Move to the nearest open area (oval, park) away from damaged buildings, trees or roads where power lines may have fallen.

If you are in an area prone to landslides and mudslides (i.e. very steep slopes, canyons, high rainfall zones) be aware of any sudden increase or decrease in water level on a stream or creek that might indicate debris flow upstream. A trickle of flowing mud may precede a larger flow. Look for tilted trees, telephone poles, fences, or walls, and for new holes or bare spots on hillsides. Listen for rumbling sounds that might indicate an approaching landslide or mudflow

How to avoid disease following a natural disaster?

Disease can spread very quickly post disaster, so ensure you protect against injuries and infections by wearing sturdy footwear. Tetanus is a potential health threat for cuts and grazes so make sure you see your doctor before you travel and update your preventative medications.

Frequent hand washing helps keep germs at bay. (If a traveller becomes unwell within six weeks of returning home and has fever, rash, respiratory illness or any other unusual symptoms, advise a physician of having just returned from a disaster-affected region.)

Drink only sealed bottled, boiled or disinfected water. For more information refer to the Centers for Disease Control and Prevention (CDC) website (http://www.cdc.gov/).

In the event of diarrhoea, replace lost fluids with clean drinking water or oral rehydration solutions.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.

 


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Our contact details

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

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


1800 903 008


+353 21 237 8001

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For policies purchased before 1 November 2018:


+44 (0) 330 660 0738


0330 660 0738


+44 (0) 330 660 0738