Am I covered if I need to cancel my trip because a relative is sick/injured?

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:

If your close relative (as defined in the policy wording) suffers an accidental injury, serious illness or dies, then your travel insurance policy may help.

What’s covered

There’s cover available for the cancellation costs incurred for any pre-booked and non-refundable portion of your transport, accommodation and tuition/course fees if you have no option but to cancel before leaving home.
If you’re already travelling, there’s also cover available for your reasonable, additional travelling expenses (economy class) to end your trip and return home early provided you have a return ticket.

How it works

If you need to end your trip earlier than planned, you must:

  • Contact your airline and change your return flight and contact any travel provider to minimise any expenses and gain refunds before making a claim on the policy.

  • You must also contact our 24/7 Emergency Assistance team to inform them of your situation and need to curtail.

You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim.
Also be aware that any cancellation or trip curtailment claim submitted will have the policy excess applied. There is an excess applicable per person, per event.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the policy wording for full details, limits to cover and exclusions. That way there are no surprises if you need to use it.

Here are some of the main things that aren’t covered:

  • When it’s foreseeable your close relative might be hospitalised, sick or injured and you book travel arrangements anyway.

  • Any expenses relating to a pre-existing medical condition as explained in the policy wording.

  • Cancellation expenses for anything booked after you leave home.

  • Any costs which can be recovered somewhere else (for example, refunds from your travel providers).

  • The cost of a return flight home if you don’t already have one. Why? Because the cost of this return flight is considered part of any normal trip cost.

  • Any expenses incurred within the first 3 days of purchase of your insurance policy if you buy it after leaving home.

  • Anything else that’s listed in the general and specific exclusions.

 

Note: 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:

If your immediate relative (or an immediate relative of someone in your travelling party) suffers an accidental injury, serious illness or dies, then your travel insurance policy can help.

What’s covered

There’s cover for the cancellation costs incurred for any pre-booked and non-refundable portion of your travel, accommodation and tuition/courses if you must cancel before leaving home.

If you’re already travelling, there’s also cover for your reasonable, additional travelling expenses (Economy Class) to end your trip and return home early provided you have a return ticket.

How it works

If you need to end your trip earlier than planned, you must:

• contact your airline and change your return flight and contact any travel provider to minimise any expenses and gain refunds before making a claim on the policy.

• you must also contact the emergency assistance team for advice and approval for any additional expenses.

You can make a claim online for your additional expenses. You’ll also need a written medical diagnosis from the attending physician and, if applicable, the death certificate to support your claim.

Also be aware that any Cancellation or Trip Curtailment claim submitted will have the policy excess applied. There is a €125 for IRE residents excess applicable per person, per event.

What’s not covered

The policy isn’t designed to cover everything. Take the time to read the terms and conditions in the Product Disclosure Statement for full details, limits to cover and exclusions, particularly Section 2 Curtailment. That way there are no surprises if you need to use it.

Here are the main things that aren’t covered:

• It’s foreseeable your relative might be hospitalised, sick or injured and you arrange to travel anyway.

• Any expenses relating to a pre-existing medical condition as explained in the policy wording.

• Cancellation expenses for anything booked after you leave home.

• Any costs which can be recovered somewhere else (eg. refunds from your travel providers)

• The cost of a return flight home if you don’t already have one. Why? Because cost of this return flight is considered part of any normal trip cost.

• Any expenses within the first 3 days of purchase if you buy it after leaving home.

• Anything else that’s listed in the General Exclusions in the policy wording.

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

_________________


For policies purchased before 1 November 2018:


+44 (0) 330 660 0738


0330 660 0738


+44 (0) 330 660 0738